不过人们担心的是，旷日持久的信贷紧缩可能让微型金融模式下的借款人越长越像那些倒霉的次贷申请者。

But the worry is that a prolonged credit crunch could make microfinance clients start to look more like those hapless subprime borrowers.

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据微型银行通讯(MicroBanking Bulletin)的研究报告，小额信贷业务剔除通胀因素后的资产收益率约为2.5%，与商业银行业务持平。

A study by the MicroBanking Bulletin puts the inflation-adjusted returns for lenders at around 2.5% of assets, on a par with commercial banking.

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