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小额信贷是指向低收入群体提供的额度较小的信贷服务。上海联合福利小额信用贷款银团是近代中国较为先进的,面向城市贫民发放贷款的金融救济机构。本文从历史演变、业务运营和资本运作三个角度出发来考察联合福利小额信用贷款银团,认为银团的业务运营和资本运作已经具有相当水平,其经营可总结为在公益性、有效性和安全性三原则下进行,基本满足现代意义上小额信贷持续性和覆盖面的意图,实现了金融信贷创新和贫民救济活动的有机结合,值得现在的小额信贷借鉴。
Microfinance refers to the provision of credit services to low-income groups with a relatively small amount. Shanghai Union Welfare Microfinance Loan Syndicate is a more advanced financial relief institution in China that provides loans to the urban poor in modern China. This paper examines the syndicated microfinance loan syndicate from the perspectives of historical evolution, business operation and capital operation. It considers that syndicated operations and capital operation have a fairly high level, and its operation can be concluded as public welfare, effectiveness and safety Sex three principles, basically meet the purpose of the continuity and coverage of microfinance in the modern sense, to achieve an organic combination of financial credit innovation and poor relief activities, it is worth drawing lessons from the current microcredit.