但是，尤努斯和Grameen Bank今天有什么关系？这是一项面试，索菲·舍甫滨州最近与Yunus为世界公共论坛进行的。从标题中可以推断面试的基调：“孟加拉国政府摧毁系统从贫困中节省了数百万美元。“
我不仔细遵循这些问题，但我尚不众所周知，孟加拉国政府要求Yunus在2010年担任格莱文银行的负责人，他已经超过了60岁的强制性政府退休年龄。这很奇怪至少有两个原因。一个是，格莱森不是政府银行，所以尚不清楚政府退休年龄申请。另一种是，尤努斯在2000年延迟了60岁。这是Yunus：
我不仔细遵循这些问题，但我尚不众所周知，孟加拉国政府要求Yunus在2010年担任格莱文银行的负责人，他已经超过了60岁的强制性政府退休年龄。这很奇怪至少有两个原因。一个是，格莱森不是政府银行，所以尚不清楚政府退休年龄申请。另一种是，尤努斯在2000年延迟了60岁。这是Yunus：
"As I said, it’s very painful because it was done in a kind of inconsiderate way, because we were not taken as a government bank, government applied the government bank rule onto Grameen Bank, saying that we‘re not following the Grameen Bank’s rules of retirement. We said this is a bank owned by poor women. We have our own rules, our law allows that, so this restriction about age limit doesn’t apply to Grameen Bank and our board is very clear on that. But in any case I was asked to resign, so I resigned and came out of it."在迫使Yunus出来Grameen之前，孟加拉国总理建议将Grameen分成19个独立的银行。这是Yunus：
"Well, this all came for political reasons; there is no complete issue about that. I mean, by dividing up and splitting up the Grameen Bank in 19 pieces only – you’ll destroy the bank. If somebody wants to destroy the bank, that’s the best way to do this – cut it up, chop it off and it’s gone. That idea was dismissed by government as it is not in favor of chopping it off, they would rather do something else. But in any case behind everything else it looks like there is an attempt to control Grameen Bank. And the law that we started out with makes it very clear that it should be guided by its own board. A board is ultimate decision-making body. But the present government somehow didn’t like that, so they want to intervene into the activities of Grameen Bank. And that’s why all these 19 pieces and all control mechanisms, and changing the law, amending the law to intrude into the bank – all these things came about. And this seems to be not very friendly to the bank itself and any action that is being taken, and nobody in the world will say that it is in the interest of the bank or the poor people. I’m very worried about it and I try to draw attention of everybody, every sane person that, look, you have to stop that, this is a great institution, this brings so much good for the people, particularly poor families and poor women in the world. That has given so much empowerment to the women in Bangladesh and that is becoming a global phenomenon, bringing the same thing in many, many countries. Almost every single country, including Russia, has microcredit programs. So, today, to go back to the origin of that whole idea, Grameen Bank, and to harm it – it will be totally painful and unacceptable."孟加拉国政府正在调查海外逃税的Yunus，并在比现在所声称是政府银行的退休年龄的时间更长的时间内接受不公平的免税。yunus说：
"All the allegations that you have listed, again and again have been demonstrated, we sent all the information to the public to make sure that they understand it’s all baseless, there is no ground for it. For example, the case of tax evasion, it was decided in the cabinet meeting that my tax information should be examined by the tax authorities and that report should be submitted to the cabinet itself, the cabinet of ministers. They did that, they said we’ve investigated every detail, so Professor Yunus has tax returns and if he did everything correctly, we have no problem, we have not missed any single penny in taxes, so we have no problem with that. But the cabinet was not satisfied with that report, they sent it back again to make more inquires so that they can find something else."如果可以少于对主题的零知识，我对孟加拉国内部政治的了解将有资格。我也对穆罕默德Yunus的个人财务一切都不了解。但它表现出看起来似乎孟加拉国当前政府认为yunus和Grameen Bank作为需要被带到脚跟的力量。Yunus描述了这样的格莱文：
“我们在孟加拉国努力工作，每个孟加拉国的每个村庄都可以访问域银行小额信贷计划，所以我们在全国各地都有借款人，我们拥有850万个借款人，其中97％是女性。它们都在我们的系统内联系在一起。我应该提到银行由借款人拥有，所以借款人不是在这个之外的人;她是控制的，她是借款人，她是老板，她派代表们坐在董事会中，无论是谁making a decision is actually her representative and a borrower like her. So, it’s not something in some big banks when somebody came and give you a loan, and they don’t know you and you don’t know them, it’s not like that, it’s a family kind of thing, it’s 8.5 million women’s family. So, we work at it as a kind of organization to be with them and for them."对于小额信贷的学术来说，有用的起点是“微法迎接市场”
Robert Clul，AsliDemirgüc-kunt和Jonathan Morduch，从2009年冬季发行中国经济观光杂志。（全面披露：我自1987年以来一直在编辑Jep编辑，来自中刊的所有问题的所有文章都自由地在美国经济协会上自由地提供。）作者指出（省略引文）巨大尤努斯之间的争议和争论小额信贷的人应该专注于帮助穷人的社会使命，以及开始进入小额信贷业务的商业银行。这是一个样本：
“我们估计大多数发展中经济体的大约40％到80％的人口缺乏正规部门的银行服务。所有方面都同意获得可靠的财务服务，可能会帮助数亿，也许数十亿美元，目前没有访问的低收入人民到银行或在剥削的内容爆炸者的怜悯中。穆罕默德·尤努斯和Grameen Bank通过表明捐赠者支持广泛的穷人和非常贫穷的客户是储蓄的 - 他们可以借下并稳步拯救并支付大量费用。...
“小额信贷无疑将继续扩大，并成为金融主流的一部分。不过，到目前为止的经验表明，为低收入社区提供小额信贷的商业银行与由非政府组织运营的非盈利小额信贷机构的情况看起来不同。商业小额信贷银行更可能具有盈利性地位，采用个人贷款方式，贷款数额较大，女性客户较少，每一美元贷款成本较低，每个借款人成本较高，盈利能力更强。非政府小额信贷组织更可能是采用团体借贷方式的非营利组织，提供小额贷款，服务于更多的女性，更多地使用补贴，面临更高的每一美元贷款成本，利润更低. ...
“小额信贷的原始想法专注于资金饥饿的企业。几十年的经验表明，贷款的需求远远超出了运行企业的客户。甚至具有小企业的客户常常为其他需求寻求贷款，比如为学校支付其他需要贷款收费或应对健康紧急情况。... [H]印度尼西亚贫困家庭最近贷款的一半被用于与业务无关的目的。......未来可能会看到新的贷款产品的一般性，新的贷款产品储蓄产品，以及更好的方法来减少风险。贫困和低收入家庭通常向杂耍复杂的金融生命投入许多能源，即使它不会导致广泛的贫困，即使不会导致广泛的贫困也会大大为他们的基本金融能力提供更多的能量。减少或国家层面的经济增长。“
