近年来,我国政府对“三农”问题及农村的经济发展非常重视,因此向中低收入阶层提供小额度的持续的信贷服务活动在农村金融活动中扮演着越来越重要的角色。当前小额信贷的发展仍难以满足经济社会发展的需求,改善这种局面是必要而又急促的。 In recent years, our government attaches great importance to the issue of “agriculture, rural areas and farmers” and the economic development in rural areas. Therefore, providing small-sum continuous credit service to the middle and low income groups plays an increasingly important role in rural financial activities. At present, the development of microfinance still can not meet the needs of economic and social development. To improve this situation is necessary and urgent.