“小额信贷”是指为城乡低收入阶层为服务对象的小规模的一种金融服务方式,旨在通过金融服务为贫困农户或微型企业提供获得自我就业和自我发展的机会,促进其生存和发展。它既是一种金融服务的手段的创新,又是一种扶贫的重要方式。 “Microfinance” refers to a small-scale financial service that serves the urban and rural low-income groups. It aims to provide poor rural households or micro-enterprises with opportunities for self-employment and self-development through financial services and promote their Survival and development. It is both an innovation in the means of financial services and an important way of alleviating poverty.