自七十年代孟加拉乡村银行创建了小额贷款的模式以来，对贫困人口提供小额贷款已经成为各国扶贫工作的一个最重要的组成部分。近年来，在人民银行的大力推动下，农村信用合作社系统正在开展大规模小额信用贷款的工作。以试点单位江西婺源县为例，在仅一年时间内就对所有农户进 Since the creation of the microcredit scheme by the Bangladeshi Rural Bank in the 1970s, providing microcredit to the poor has become one of the most important components of poverty alleviation efforts in all countries. In recent years, with the vigorous promotion by the People’s Bank of China, the rural credit cooperatives system is carrying out large-scale micro-credit loans. Take the pilot unit in Wuyuan County, Jiangxi Province as an example, only one year has passed for all the farmers