由于信息不对称,银行可以收取大额的费用,并通过客户支付费用抬高他们自己的收益,而客户在完全不知情的情况下被诱导而承担风险——这是一种寻租形式。
Privy to superior information, banks can charge hefty fees and drive up their own profits at the expense of clients who are induced to take on risks they don’t fully understand—a form of rent seeking.
尤努斯就证明了哪怕是最穷的借款者也能成为好的客户。因此,大量的寻租资本都跟着涌向世界各地的小额信贷行业。
Mr Yunus has showed that even the poorest borrowers can be good customers, and as a result huge amounts of profit-seeking capital have flowed into the microfinance industry all over the world.
大部分的格子都是使用租来的客户。
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