阳民调研格莱珉银行（精准扶贫的先驱、社会企业的典范、制度企业家的杰出代表）

2018年8月17日阳民调研了格莱珉银行，偶遇了来自台湾的学者林教授，也偶遇了来自濮阳贷款互助合作社的老板与高管们，大家都对格莱珉银行模式非常有兴趣。

格莱珉中国总裁高战先生还赠送给阳民礼物。

格莱珉银行兰考中心就坐落在这个小楼里，虽然简单，但很舒适而且安详！

今天，濮阳信贷互助合作社老板及高管还介绍了濮阳经验。阳民对其中一些问题进行了简单讨论。比如务实与务虚的关系问题，各大参与主体的目标协同问题等。阳民认为，任何主体的目标协同就是杰出领导者的核心任务，也是领导能力水平高低的判断标准。

非常重要的是，阳民参加并亲身体味了格莱珉银行究竟如何跟穷人形成贷款行为的。目睹了整个中心会议过程，非常有价值，这是格莱珉银行的核心与精髓。

同时，阳民还交流了两个重要问题，阳民的第一个问题是How to identify the real poor people, because these loaning people who Ayoungman just saw are not really poor, they are businessmen.阳民的第二个问题是，How to encourage our employees to fulfill their social mission, not for money?因此，阳民认为，格莱珉银行更需要的是Volunteer，而不是employee。

阳民需要说明的是，真正引发阳民关注格莱珉银行的，不仅因为是阳民20年的老朋友高战在运营格莱珉中国，更重要的是，格莱珉银行的如下16条规则，这是极好的精准识别真穷人的制度安排，凭此阳民认定格莱珉银行的创始人Muhammad Yunus是制度企业家，而且是全球最杰出的制度企业家。因此，格莱珉也是最杰出的社会企业。格莱珉模式就是精准扶贫的先驱，是值得复制与推广的。阳民下学期在阳民行为经济学中将重点介绍格莱珉银行如何改变人的行为以及深度的理论解析。

格莱珉银行的16条规则：

1. We shall follow and advance the four principles of Grameen Bank: Discipline, Unity, Courage and Hard work – in all walks of our lives.

2. Prosperity we shall bring to our families.

3. We shall not live in dilapidated houses. We shall repair our houses and work towards constructing new houses at the earliest.

4. We shall grow vegetables all the year round. We shall eat plenty of them and sell the surplus.

5. During the planting seasons, we shall plant as many seedlings as possible.

6. We shall plan to keep our families small. We shall minimise our expenditures. We shall look after our health.

7. We shall educate our children and ensure that they can earn to pay for their education.

8. We shall always keep our children and the environment clean.

9. We shall build and use pit-latrines.

10. We shall drink water from tubewells. If it is not available, we shall boil water or use alum.

11. We shall not take any dowry at our sons' weddings, neither shall we give any dowry at our daughters' weddings. We shall keep our centre free from the curse of dowry. We shall not practice child marriage.

12. We shall not inflict any injustice on anyone, neither shall we allow anyone to do so.

13. We shall collectively undertake bigger investments for higher incomes.

14. We shall always be ready to help each other. If anyone is in difficulty, we shall all help him or her.

15. If we come to know of any breach of discipline in any centre, we shall all go there and help restore discipline.

16. We shall take part in all social activities collectively.