小额信贷是指向低收入人群和微型企业提供的额度较小的持续信贷服务。作为一项金融制度与金融产品创新,小额信贷在植入传统民间互助金融理念的基础上,逐步发展成为低收入者提供系统性金融服务的可持续的制度体系。 Microfinance refers to the provision of continuous credit services to low-income people and micro-enterprises with a relatively small amount. As a financial system and financial product innovation, micro-credit gradually builds into a sustainable system of providing systematic financial services to low-income people based on the concept of traditional mutual financial assistance.