Bhagwan Chowdhry（巴格·乔杜里）

金融教授  小额贷款思想领头人   银行改革家

让银行为穷人服务是好模式

设想给每个新生儿在网上账户上存入100美元。这可能鼓励他以后成为一个金融学者。这还能教会孩子存钱的益处。存一些钱在银行里，这些孩子（多数是穷孩子）将能够拥有将梦想变为现实的自信。这就是“新生儿财务使用权运动”的核心理念。该运动的发起人正是UCLA安德森管理学院金融教授Bhagwan Chowdhry。上述思想被《福布斯》印度刊称为“四大塑造金融未来”的思想之一。Chowdhry是全球知名的国际及企业金融战略专家，是新兴领域—小额贷款的思想领袖，亦发明了“特许经营的小额贷款”的新模式。他在UCLA任教，监管安德森商学院关于发展中国家的信贷这种新领域的学生项目。

Bhagwan Chowdhry

Professor of Finance

Bringing banking to the poor is good business.

Imagine if every child born in the world was given $100 in an online bank account. It might encourage them to be financially literate. It would teach kids about the benefits of saving. And with some money in the bank, perhaps those kids, many of them poor, would have the confidence to bring their dreams to life. That’s the idea behind the Financial Access at Birth (FAB) Campaign, the brainchild of Bhagwan Chowdhry, professor of finance at the UCLA Anderson School of Management and an idea Forbes India named “4 Ideas to Shape the Future of Finance.” Chowdhry, an internationally recognized expert in international and corporate finance and strategy is one of the world’s thought leaders in the emerging area of microfinance, developing a new model for “Franchising Microfinance” along with teaching the subject at UCLA and supervising Anderson student projects in the new field of lending in the developing world.