小额信贷能在一定程度上解决落后经济中普遍存在的金融市场的割裂和金融抑制现象,为穷人提供资金,打破贫困的恶性循环。然而,在实践中,还存在着穷人贷不到款、贷款效率低下、监督管理不到位等问题。因此,如何保证信誉好的穷人贷到款,提高贷款效率、健全服务体系,实现小额信贷的可持续发展就成了解决问题的关键。 To a certain extent, microfinance can solve the fragmentation and financial repression in financial markets ubiquitous in underdeveloped economy, provide funds for the poor and break the vicious cycle of poverty. However, in practice, there are still problems such as the poor can not get loans, the loans are inefficient, and the supervision and management are not in place. Therefore, it is the key to solve the problem of how to ensure that the reputable poor can get loans, improve the loan efficiency, improve the service system and realize the sustainable development of microfinance.