印度的小额信贷采取了与其他国家不同的模式,即自助小组—银行联结模式,该模式在印度取得了空前的成功。本文介绍印度自助小组—银行信贷联结的发展、采取的模式以及联结中各参与者的角色。总结印度金融联结的成功经验是:金融监管部门的大力支持,充分利用禀赋优势来设计小额信贷发放模式和正确发挥非政府组织的作用。 India’s microcredit has adopted a different model from other countries, namely the self-help group - the banking link model, which has achieved unprecedented success in India. This article presents the Indian self-help group - the development of bank credit linkages, the patterns taken and the role of each participant in the link. Summarizing the successful experience of India’s financial linkages is the strong support from financial regulators, making full use of the advantages of endowments to design the mode of issuing microcredit loans and properly playing the role of non-governmental organizations.