论文部分内容阅读
小额信贷是无需抵押担保的小额度信用贷款的简称。国际上普遍认为这是一种专门为低收入贫困人口设计的金融产品,是扶贫到户最有效的方法之一。小额信贷首先是国外一些非政府组织、慈善机构和社会贤达倡导发起的。在上世纪七十年代,针对那些尚有一定创收能力而被正规金融机构拒之门外的贫困人口,设计了一套信贷方法,这就是今天的制度性扶贫系统——小额信贷。由于小额信贷直接面对穷人,受到贫困人口的热烈欢迎,产生了广
Microfinance is short for small credit loans without collateral. It is widely accepted in the world that this is a financial product specially designed for low-income poor people and is one of the most effective ways to reduce poverty to household. Microfinance is first and foremost sponsored by some non-governmental organizations, charities and social leaders in foreign countries. In the 1970s, a set of credit methods were devised for the poor who had a certain income-generating capacity and were shut out of the formal financial institutions. This is the system of today’s system of poverty alleviation - microcredit. As microcredit was directly exposed to the poor and was warmly welcomed by the poor, it generated widespread popularity