When it comes to savings, no amount is too small. Microsaving is a growing part of the international movement of microfinance. The aim is to bring financial services to poor people.
储蓄无所谓大小。 微储蓄是国际小额信贷运动中一个持续增长的部分， 旨在给贫困人口提供金融理财服务。
Modern microfinance started with Nobel Prize-winning economist Muhammad Yunus in Bangladesh. In the nineteen seventies, he started small loan programs that would become the Grameen Bank. Currently, microcredit providers are in over one hundred countries.
现代的小额信贷是由曾获得诺贝尔奖的孟加拉国经济学家穆罕默德·尤努斯创办的。 20世纪70年代，他启动了一个小额信贷项目，这就是格莱珉银行的前身。 现在小额信贷机构遍布了全世界一百多个国家。
Now, microfinance institutions are starting to offer other services, including savings plans.
Recently, the non-profit group Small Enterprise Education and Promotion held a conference in Washington. SEEP works with over one hundred twenty groups around the world in efforts to cut poverty. It does this by supporting small businesses.
最近，一个叫做“小型企业教育和推广”的非盈利性组织在华盛顿举行了一次会议。 该组织在全球范围内与超过120家组织合作， 通过努力支持小型企业的发展来减少贫困。
The goal is help microfinance industry experts share ideas. One idea is called Financial Access at Birth, or FAB. It is designed to start each person with a financial citizenship at birth through a savings account connected to a bank deposit.
这次会议旨在帮助小额信贷行业的专家们互相交流他们的方案， 其中一个方案被称为“婴儿金融渠道”，简称FAB。 该方案旨在给每位新生儿建立银行储蓄账户，让每个公民一生下来就拥有金融业务。
Rosita Najmi is FAB's program director.
ROSITA NAJMI: "FAB starts with financial inclusion, but it creates other opportunities of inclusion across other sectors of health or education and I think that's what the international development community needs and seeks at this time."
Mobile or wireless technology will be important to many microfinance services. One meeting at the SEEP conference examined a mobile phone application for saving money. Debbie Dean of the Grameen Foundation says these efforts can also be extended to other financial services.
移动和无线技术将对许多小额信贷服务起到非常重要的作用。 “小型企业教育和推广”会议审核了一个支持客户通过手机申请储蓄的方案。 格莱珉基金会的专家黛比·迪安表示，这些成果也可以延伸到其它的金融服务行业。
DEBBIE DEAN: "It's probably going to be a combination of savings programs and money transfer programs, payment systems that all kind of converge together to be able to provide the customer with the most flexibility and the most convenience to meet their needs." 
But offering savings, payments and other services requires more training and controls. Rashid Bajwa leads Pakistan's largest microfinance organization. He says more training is needed.
但是，要给手机客户端提供储蓄、支付和其它服务需要建立更多的培训和监督机制。 拉希德·巴吉瓦是巴基斯坦最大的小额信贷组织的负责人， 他表示这个项目需要更多的培训。
RASHID BAJWA: "When microfinance institutions start offering savings, then they have to be trained to do that. This is a specialization which needs specialized people to adopt. You have to have a risk management system in place, you have to have an internal audit system in place, you have to have a huge set of new things which you generally don't need when you are just doing microcredit."
RASHID BAJWA:“在小额信贷机构开始提供储蓄服务之前，他们必须接受相关的培训。 这是一个专业的领域，需要采用专业的工作人员。 而且，它必须具备风险管理体系和内部审计体系，以及很多在小额信贷服务中不常用到的新事物。”
Small savings deposits add up. And interest over time makes them grow. This can have a surprising effect for savers and societies.
小额的储蓄日积月累， 利息随着时间的延长而增长，这样一来存款就增多了。 这对储户和整个社会都将是一个意料之外的收获。
Rashid Bajwa puts it this way. He says the amount of money that poor people have is unimaginable.