为解决我国落后地区人口的贫困问题和弥补信贷扶贫政策的缺陷,我国自20世纪90年代初开始引进并推广农村小额信贷扶贫模式。由于小额信贷成功解决了长期以来扶贫资金使用中的“三低”(即资金到户率低、资金回收率低、项目成功率低)问题,提高了资金的扶贫效益和经济效益,这种扶贫方式受到了广泛的 In order to solve the problem of population poverty in the backward regions and to make up for the deficit of credit poverty alleviation policies, China started to introduce and promote the mode of rural microfinance poverty alleviation since the early 1990s. Since the success of microcredit has solved the problem of “three lows” (that is, the low capital-to-household rate, low capital recovery rate and low project success rate) in the use of poverty-relief funds for a long time, the anti-poverty benefits and economic benefits have been raised. Poverty alleviation has been widespread