随着金融自由化和金融创新在全球范围内不断改变着各国金融体系的微观结构和面貌,适应不同层次经济主体需求的金融产品和各种金融机构不断发展起来。其中,小额信贷在许多国家都得到迅速发展,并成为银行间接融资体系的重要组成部分。小额信贷之所以在全球范围内获得越来越多的关注,其根本原因,不仅仅来源于小额信贷通过有效的商业设计找到新的金 As financial liberalization and financial innovation continue to change the micro-structure and appearance of financial systems in various countries around the world, financial products and various financial institutions that adapt to the needs of economic entities at different levels have been constantly developed. Among them, microfinance has developed rapidly in many countries and has become an important part of the bank’s indirect financing system. The reason why microloans are gaining more and more attention on a global scale lies not only in the fact that microcredit has found new gold through effective commercial design