随着中国农村经济的快速发展,中国农村的金融需求也在快速增加,在这一过程中,农村信用社的小额贷款业务获得了较大的发展空间。小额信贷作为一种扶贫和促进金融发展的新型金融方式,它推动了农村信贷市场发展,改善了中低收入者收入,已被世界上越来越多的国家认可。小额信贷机构作为一种金融组织创新,也有效地促进了经济发展的政策性目标和金融机构商业化经营原则的有机结合。 With the rapid development of China’s rural economy, the demand for financial services in rural areas in China is also rapidly increasing. In the process, the rural credit cooperatives have gained a lot of room for development of their microfinance businesses. As a new financial method to alleviate poverty and promote financial development, microcredit has promoted the development of rural credit market and improved the income of middle and low-income people. It has been approved by more and more countries in the world. The innovation of MFIs as a financial organization has effectively promoted the organic combination of the policy objectives of economic development and the commercialization of financial institutions.