背景:自1983年孟加拉“乡村银行”创建了小额贷款模式以来,世界上许多国家都陆续开始了结合各自国情的小额信贷实践。我国于1999年由农村信用社开始发放小额信贷,作为一项重要的扶贫到户和持续扶持的措施,小额信贷被迅速推广到全国大多数贫困地区,并因其精确瞄准贫困个人的特点和较高的贷款回收率,受到广大贫困农户的欢迎。临夏州自2002年由农村信用社发放小 Background: Since the creation of the microcredit model in Bangladesh in 1983 by the “Village Bank,” many countries in the world have started microfinance practices based on their respective national conditions. In 1999, China started to issue microcredit loans from rural credit cooperatives. As an important measure to help the poor and support them, microcredit was rapidly extended to most of the country’s poor areas. Due to its precise targeting of poor individuals And higher loan recovery, welcomed by the majority of poor farmers. Linxia since 2002 by the rural credit cooperatives issued a small