小额信贷是小额信贷扶贫模式的简称,它是通过直接为贫困农户或微型企业提供金融服务的方式,扶助他们走上自我生存和发展的道路,同时,从事小额信贷扶贫的机构也能通过服务达到自我生存和发展。国外近30年的实践以及我国近几年在各地的试验,均有力地证明:以小额信贷为工具帮助贫困农户,是各种有效的 Microfinance is an abbreviation of microcredit poverty alleviation mode, which helps them to embark on the path of self-survival and development by providing financial services for poor farmers or micro-enterprises directly. At the same time, micro-credit institutions Through service to achieve self-survival and development. Nearly 30 years of practice abroad and our experiments in various places in recent years have all proved forcefully that using microcredit as a tool to help impoverished rural households is effective