“授人以鱼，不如授人以渔”。救济穷人，不能光靠零钱和面包。

“Teach them to fish，As teach them to fish”。Relief for the poor，Can't just change and bread。

　　8月13日“2012 NU SKIN大师趋势论坛”上，NU SKIN如新集团特别请到“穷人银行”创办人、诺贝尔和平奖得主穆罕默德?尤努斯(Muhammad Yunus)来华，做“一个人，可以改变世界”的演讲。

On August 13,“2012 NU SKIN master trend BBS”on，NU SKIN such as new group special please go to“The poor bank”founder、Nobel peace prize winner Mohammed?yunus(Muhammad Yunus)In China，do“A man，Can change the world”speech。

　　尤努斯是孟加拉国乡村银行——格莱珉银行（Grameen Bank）创办人。他首创的小额信贷理念，已在全球100多个国家推行，并成功帮助数亿贫困人口脱贫；他提倡的“社会型企业”新概念，更具体改革了资本主义的经济弊病，戮力于实现富足新世界。

Yunus is the grameen bank in Bangladesh, the grameen bank（Grameen Bank）founder。His pioneering microfinance concept，Already in more than 100 countries，And successfully help hundreds of millions of poor shake off poverty；He advocates“Social enterprises”New concept，More specific reform the capitalist economic ills，Committed to achieving rich new world。

　　“穷人银行”诞生 “The poor bank”Was born

　　尤努斯最初只是一位老师。他在美国留学并获得博士学位后，回到孟加拉国一所大学教经济学，那时他自信满满，觉得自己的知识能解决任何问题，但一件事情让他的生命转变方向。

Yunus was originally a teacher。In his study in the United States and after received a doctor's degree，Back to Bangladesh a university teaches economics，He was confident，Feel your knowledge can solve any problems，But one thing makes his life a change of direction。

　　1974年孟加拉发生大饥荒，饥民遍野，那些美好的经济学理论派不上用场，让尤努斯非常懊恼。他决定不再做经济学家，而是作为一个普通人对另一个普通人伸出援手，哪怕只能帮上一点小忙。

1974 Bangladesh massive famine，The hungry everywhere，The good economic theory sent not to use，Let yunus very upset。He decided to no longer do economists，But as a man to another ordinary people lend a hand，Even if can only help a little busy。

　　在村落中帮助村民，让他了解了村民的生活状况和需求。一些地下钱庄趁机借钱给穷人发灾难财，控制穷人的生活。尤努斯对这些人深恶痛绝，于是想到，如果是自己借给穷人钱，一定会很和善，穷人也会有自由。于是他开始自掏腰包，后来他的钱不够了，就开始说服银行提供贷款，由他来担保。有趣的事，每个人都还钱，这为尤努斯增加了信心，他担保的人越来越多，服务范围越来越大。这时，他想到，为什么不自己创办一家银行，这样就不用去向银行借钱了。

In the village to help the villagers，Let him know the villagers of living conditions and requirements。Some underground Banks took the opportunity to lend money to the poor hair disaster wealth，Control the poor life。Yunus for these people detest，Then think of，If it is their money to the poor，Must be very kind，The poor will have freedom。So he began to dig down，Later he don't have enough money for，Began to persuade Banks offer loans，To guarantee by his。Interesting things，Everyone is money，The yunus increased confidence，He guaranteed the people more and more，Service range is more and more big。At this time，He thought of，Why don't you start up a bank，So they are not to borrow from the bank。

　　1983年，孟加拉乡村银行成立，到2012年，其借款人数已达850万人，57%是女性，现在每年放款金额达12亿美元。那么钱从哪里来呢？很简单，就是当地的存款，村民存的钱，再贷给需要钱的人，不断循环，还款率非常高，达到97%。

In 1983,，The grameen bank in Bangladesh was established，By 2012，The loan is increased to 8.5 million people，57% are women，Now each year loan amount of us $1.2 billion。So where the money came from？Very simple，Is the local deposit，The villagers save money，Then loans to need the money people，Continuous cycle，Repayment rates are very high，Up to 97%。

　　“社会型企业”新思维 “Social enterprises”New thinking

　　只要是穷人，就会碰到大大小小的问题，尤努斯想尽全力来协助他们解决问题，并形成了习惯。每当看到穷人碰到问题的时候，他就建立一份事业来协助解决。长此以往，他为此总共打造出60家公司。

As long as it is the poor，Will run into large and small problems，Yunus try to help them solve the problem，And formed the habit。Every time I saw the poor run into problems，He set up a career to help solve。In the long run，He therefore create a total of 60 companies。

　　尤努斯的企业，除了投资，不需要赚钱，而是要解决社会问题，这就是他的“社会型企业”新思维。

Yunus enterprise，In addition to investment，Don't need the money，But to solve the social problems，This is his“Social enterprises”New thinking。

　　有一次阿迪达斯公司的执行长邀请尤努斯到德国总部，他说：“我很好奇到底怎么经营这种社会型企业，阿迪达斯是不是也可以经营社会型企业？”尤努斯说：“当然可以，你只要成立一家小公司，确保鞋子售价非常便宜，即便穷人也买得起。”他眼睛瞪得很大，“我们的鞋子到底应该多便宜，才能让穷人买得起？”“大概不到1欧元吧！”“天呐！”

Once adidas company's CEO invite yunus to Germany headquarters，He said：“I'm curious what business this kind of social enterprises，Adidas whether can also business social enterprises？”Yunus said：“Of course，If you set up a small company，Ensure that the price is very cheap shoes，Even if the poor also can afford。”His eyes a stare，“Our shoes what should much cheaper，To help the poor afford？”“It was probably less than 1 euro！”“God forbid！”

　　阿迪达斯执行长觉得不可思议，但经过讨论他还是表示愿意接受挑战，虽然不确定售价在1欧元以下，但会尽量朝这个目标迈进。

Adidas CEO feel incredible，But after discussion he still says it is willing to accept the challenge，Although not sure in 1 euro price below，But will try to toward this goal。

　　“这样就够了，我们需要这样的承诺。后来他们把鞋子设计出来，售价不到1欧元，这个就是社会型企业，所以说绝对是办得到的。”尤努斯说。

“That's enough，We need such a commitment。Then they put the shoes design out，Price is less than 1 euro，This is the social type enterprise，So said is absolutely can do it。”Yunus said。

　　多年来，尤努斯教授积极推广“社会型企业”，认为社会型企业可以让一般人拥有尽情挥洒的机会，不需要太多的资源，就可以创造日后或能在世界发挥影响力的企业。当社会型企业的概念开始普及时，这种新思维所引发出来的力量极有可能让世界产生巨大的转型。

For many years，Professor yunus positive promotion“Social enterprises”，Think social enterprises can let people have the opportunity to thaland，Don't need too many resources，Can create future or can be in the world play influential enterprise。When the concept of social enterprises when began to be popular，This new thinking out caused by the power of the world is likely to have a great transformation。

　　“很多人一辈子都追着钱跑，到底要做什么？人有很多命相，我们不是赚钱的机器人，人远远超过这个极小的层面。我们绝对不是为了赚钱而活，为什么我们生命的目标不可以是解决问题呢？”尤努斯说。

“Many people spend their lives chasing money run，Exactly what to do？People have a lot of MingXiang，We are not making money robots，People far more than the minimum level。We absolutely not to earn money and live，Why do we the goal of life can not solve the problem？”Yunus said。

　　调整社会机制 Adjustment mechanism of social

　　尤努斯提出的新理念对中国的贫困人口有哪些意义？

Yunus puts forward new idea to China's poor what meaning？

　　“在灾害过程中，通常大家做的第一件事情就是捐助食物和金钱，没有让人们自发改善自己的生活。解决问题，要从机制入手，让人们自己站起来。”尤努斯说。

“In the process of disaster，Usually the first thing you do is contributed food and money，Didn't want to let the people spontaneous improve your life。Solve the problem，From the mechanism of will，Let people stand up for yourself。”Yunus said。

　　他认为，中国已经能够通过快速的经济增长在最短时间内协助最多的人脱离贫穷，这是人类历史上前所未见的；另一方面中国也能够建立和谐的社会，解决很多社会问题。“社会型企业”的理念，能够推动教育界、企业界从事这样的活动，特别是教育界，他们可以成立一些小规模的社会型企业，看看是否能够解决社会上面临的问题。

He thinks，China has been able to through the rapid economic growth in the shortest possible time to help most people out of poverty，This is unprecedented in the history of mankind；On the other hand, China is also able to build harmonious society，To solve a lot of social problems。“Social enterprises”concept，To promote the education、Enterprises engaged in such activities，Especially in education field，They may establish a few small scale of social enterprises，See if can solve the society are faced with the problem。

　　“中国希望打造一个全新的社会，是跟美国、欧洲社会截然不同的，所以中国可以起到一个很好的示范作用。”

“China wants to build a new society，With the United States is、The European social completely different，So China can play a good demonstration role。”

　　他还提到中国要打造一个全新的社会体系，应该追求三个目标。第一，在中国找不到任何失业人口；第二，在中国找不到任何一个穷人；第三，在追求经济快速成长的同时，不会对地球环境产生任何的破坏。“我相信这三个都是可以具体达成的目标，只不过要有正确的观念和做法。”

He also mentioned that China will create a new social system，Should pursue three goals。The first，In China can't find any unemployed population；The second，In China can't find any a poor man；The third，In the pursuit of the rapid growth of Chinese economy at the same time，Not to the earth's environment produce any damage。“I believe that the three are specific to achieve goals，Just want to have the right attitude and practice。”

　　尤努斯深信，只要下定决心去调整社会机制和政策，建构不一样的观点，最终必定可以创造一个无贫社会，那时我们只能在博物馆见识到贫穷。

Yunus believe that，As long as the determination to adjust social mechanism and policy，Construct different point of view，Eventually will surely can create a no lean society，Then we can only see in the museum to poverty。

　　“假如你是一个穷人，假如你非常努力，希望脱离贫穷，但问题是难度很高，可能碰到了自然灾害，或者房子失火，你又变成一个穷人。我们希望打造一个全新的时代，让人们距离贫穷越来越遥远，不会因为任何自然灾害而再次成为穷人。”

“If you are a poor man，If you worked very hard，Hope out of poverty，But the problem is the difficulty is very high，May be met natural disasters，Or set fire to the house，You have become a poor man。We hope to build a new era，Let people more and more distant from poverty，Not because any natural disasters and once again become the poor。”