小额信贷于70年代发源于孟加拉国,旨在面向贫困人口提供金融服务,是农村扶贫的一种有效金融工具。90年代初,小额信贷被引入到我国,在扶贫领域取得了令人瞩目的成就。据世界银行估算:我国目前尚有20%的人口属于低收入人群,其中绝大多数属于农村人口。为了更好地满足这部分低收入人群的金融需求,从2000年起,不单是政府扶贫机构或组织,我国农信社也开始涉足小额信贷项目,并主要以农户小额信用贷款的模式开展业务。农户小额信用贷款作为一 Microcredit, originated in Bangladesh in the 1970s, aims to provide financial services to the poor and is an effective financial tool for rural poverty alleviation. In the early 1990s, microfinance was introduced into our country and made remarkable achievements in poverty alleviation. According to estimates by the World Bank: At present, China still has 20% of the population belonging to the low-income population, the vast majority of whom belong to the rural population. In order to better meet the financial needs of this part of the low-income population, since 2000, not only the government poverty alleviation agencies or organizations, but also China’s rural credit cooperatives have begun to get involved in the microfinance projects and are mainly based on the mode of peasant household microfinance loans business. Household micro-credit loans as one