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从1994年我国首次开展小额信贷以来,小额信贷已经形成三种模式:第一种是由政府比如扶贫基金开展的小额信贷;第二种是由国际捐赠等方式形成的民间小额信贷组织发放的小额信贷;第三种是由农村信用社等正规金融机构提供的小额信贷。
Since China first launched microfinance in 1994, microfinance has formed three modes: the first is microfinance conducted by the government such as poverty alleviation fund; the second is microcredit formed by international donation, etc. Organized microcredit; and the third is microcredit provided by formal financial institutions such as rural credit unions.