由于小额信贷与传统的银行信贷相比较,具有贷款规模小、无需担保、覆盖面广等特点,而受到广大农村贫困户的欢迎。同时,作为解决农村贫困问题的一种方式,得到政府的大力支持和推广。但是,在农村实施小额信贷过程中所出现的一些问题,如还贷难、成本高、难度大等等,必须引起我们的理性思考。 Compared with traditional bank credit, microcredit enjoys the characteristics of small loan size, no guarantee and wide coverage, which are welcomed by the vast rural poor families. At the same time, as a solution to the problem of rural poverty, it has received the government’s strong support and promotion. However, some problems that arise during the implementation of microcredit in rural areas, such as repayment of loans, high costs and difficulties, must arouse our rational thinking.