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小额贷款之所以不同于传统的贷款模式,主要在于其服务对象即农户及微小企业这一群体的特殊性。这一群体通常以自雇、家庭作坊或微型企业的方式从事生产活动。由于生产规模小,抗风险能力弱,缺乏担保品和信用记录,长期以来被排除在传统金融服务体系之外。小额贷款之所以在一些国家取得成功,在于小额贷款建立了一
The reason that the microcredit is different from the traditional loan model lies in the peculiarities of the group of peasant households and micro-enterprises that serve as its target of service. This group usually engages in productive activities in the form of self-employment, family workshops or microenterprises. Due to the small scale of production, weak anti-risk ability and lack of collateral and credit records, it has long been excluded from the traditional financial service system. The reason why small loans have been successful in some countries lies in the establishment of a small loan