一般而言,成功的小额信贷有以下三个基本特征:可持续性、辐射和影响,可持续性是指小额信贷机构的收入能够抵偿开支,从而实现机构自身的持续发展;辐射是指小额信贷的服务对象是贫困地区的最贫困人口,从而确定了小额信贷的目标主体;影响则是指小额信贷的目的是提高农民的持续发展 In general, successful microfinance has the following three basic characteristics: sustainability, radiation and impact. Sustainability means that the income of the MFI can offset expenditures so as to achieve the sustainable development of the institution itself. Radiation means The targets of microfinance are the poorest people in poverty-stricken areas, and thus the target subjects of microfinance are determined. The effect is that the purpose of microfinance is to improve the sustainable development of farmers