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Giants and minnows

机译：巨人和min鱼

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One of the most encouraging trends in microfinance is that the world's largest banks and insurers are becoming interested. At a minimum, they can do something that small local institutions cannot: move money around the world through their own systems, and tap and raise huge pots of capital. They can also reduce the risk and increase the liquidity of small institutions by packaging and reselling their loans, and even provide savings products through tiny institutions. So-called "bottom of the pyramid" strategies (named after a bestselling book called "The Fortune at the Bottom of the Pyramid", by C.K. Prahalad) are currently in vogue among the world's leading companies in many industries. The idea is that big business has so far ignored a huge number of people who have very little money but nevertheless represent a potentially lucrative market. The big banks have noticed, but they are moving slowly and with great caution. ICICI Bank of India reckons that providing $1.3m in loans to microfinance clients currently requires 40 times more manpower than a corporate loan of the same size.
机译：小额信贷最令人鼓舞的趋势之一是，全球最大的银行和保险公司开始对此感兴趣。他们至少可以做一些小型地方机构不能做的事情：通过自己的系统在世界各地转移资金，并挖掘和筹集大量资金。它们还可以通过打包和转售贷款来降低风险并提高小型机构的流动性，甚至可以通过小型机构提供储蓄产品。目前，在许多行业中的世界领先公司中都在流行所谓的“金字塔底”策略（以畅销书《金字塔底部的财富》命名，作者为C.K. Prahalad）。这个想法是，到目前为止，大企业已经忽略了很多人，他们虽然钱很少，但仍然代表着潜在的利润丰厚的市场。大银行已经注意到了，但它们的行动缓慢而谨慎。印度ICICI银行估计，目前向小额信贷客户提供130万美元的贷款所需的人力是同等规模公司贷款的40倍。

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