小额信贷是一种为自我就业的低收入用户提供信贷服务的信贷制度和方式。这种信贷制度和方式是在传统的金融制度安排不能有效满足低收入用户信贷需要的情况下出现的。曾几何时，我国农村信用社经营策略向国有银行看齐，贷款向工商企业转移，“脱农”倾向比较严重。广大农民... Microfinance is a credit system and method for providing credit services to self-employed low-income users. This credit system and method emerge under the condition that traditional financial system arrangements can not effectively meet the credit needs of low-income consumers. Once upon a time, China’s rural credit cooperatives business strategy to the state-owned banks, loans to the transfer of business, “off agriculture” tend to be more serious. The majority of peasants ...