• 主题
高级搜索  >
历史搜索 清空历史
首页> 外文会议>Recent advances in risk management, assessment and mitigation >Emerging Microfinance Solutions for Response and Recovery in the Case of Natural Hazards
【24h】

Emerging Microfinance Solutions for Response and Recovery in the Case of Natural Hazards

机译：新兴的小额信贷解决方案，应对自然灾害时的响应和恢复

获取原文
获取原文并翻译 | 示例
页面导航
  • 摘要
  • 著录项
  • 相似文献
  • 相关主题

摘要

The serious floods caused by heavy rainfall at the end of July 2008, affected many densely populated areas in Romania. Over 5900 houses, of which 1600 totally destroyed, and more than 21000 people were reported by local authorities to have been affected by the floods. The most affected areas were situated in Maramures, in Moldova, along the Prut and Siret rivers. These areas include critical infrastructure elements (town halls, border police offices, roads, dams, civil protection facilities) and had a negative impact on the economic activity. The assessment of the effects of the disaster, conducted by the Operational Centre for Emergency Situations (OCES) under the Romanian Ministry of Environment and Sustainable Development, has demonstrated the increase of the risk level with implications as systemic risk. Considering the multiple effects and the serious micro and macroeconomic implications, the intervention of the governmental institutions must be prompt and efficient. The lack of experience in the case of these extreme risk events, but also the budgetary restrictions, require, on the one hand, the reassessment of the insurance solutions through the introduction of a new financing scheme based on PPP, or the use of the microfinance products specifically created for natural hazards risk management, on the other hand. Microfinance institutions could be efficient both in disasters, and also in events that correspond to the disaster response and the recovery process. Microfinance institutions could be easily informed on the potential consequences of natural hazards at different levels: clients, institutions, sectors. Microfinance products and services could be robust solutions, because they respond more directly to clients needs in the aftermath of extreme events. Identifying the optimal lending program is a difficult task and it is closely related to the global recovery process. The design of these specific products represents an important contribution in order to develop an efficient recovery process, as the funds will be used more efficiently and promptly, and we consider that innovative solutions should be used for Romania and for other emerging countries.
机译：2008年7月底，暴雨造成的严重洪灾影响了罗马尼亚的许多人口稠密地区。超过5900座房屋，其中1600座被完全摧毁，地方当局报告称有21000多人受到洪水的影响。受灾最严重的地区位于摩尔多瓦的马拉穆列斯（Maramures），沿普鲁特河和锡雷特河。这些领域包括关键的基础设施要素（市政厅，边境警察局，道路，水坝，民防设施），并对经济活动产生了负面影响。罗马尼亚环境与可持续发展部下属的紧急情况业务中心（OCES）对灾难的影响进行了评估，结果表明该风险水平在增加，具有系统性风险。考虑到多重影响以及严重的微观和宏观经济影响，政府机构的干预必须迅速而有效。这些极端风险事件缺乏经验，而且预算有限，一方面，需要通过引入基于PPP的新融资计划或使用小额信贷来重新评估保险解决方案。另一方面，专门为自然灾害风险管理而创建的产品。小额供资机构在灾害以及与灾害响应和恢复过程相对应的事件中都可以提高效率。小额信贷机构可以很容易地了解不同层次的自然灾害的潜在后果：客户，机构，部门。小额信贷产品和服务可能是可靠的解决方案，因为在发生极端事件之后，它们可以更直接地响应客户的需求。确定最佳贷款计划是一项艰巨的任务，并且与全球复苏进程密切相关。这些特定产品的设计为开发有效的回收流程做出了重要贡献，因为这笔资金将得到更有效，更迅速的使用，我们认为创新的解决方案应用于罗马尼亚和其他新兴国家。

著录项

相似文献

  • 外文文献
  • 中文文献
  • 专利
获取原文

客服邮箱：kefu@zhangqiaokeyan.com

京公网安备：11010802029741号 ICP备案号：京ICP备15016152号-6 六维联合信息科技 (北京) 有限公司©版权所有

  • 客服微信

  • 服务号