“小额贷款”具有明显的“政策性”和良好的社会效益 ,理应得到政府的大力扶持。第一 ,“小额贷款”的对象都是市场经济中的弱者 ,需要得到政府的适当扶持。第二 ,从发放“小额贷款”的机构看 ,也需要扶持。发放“小额贷款”的银行机构 ,一是“政策性”尚未完全消除的农村信用? “Microfinance” has obvious “policy” and good social benefits, deserves the strong government support. First, the targets of “small loans” are all those who are weak in a market economy and need the appropriate support from the government. Second, from the institutions that issue “small loans”, they also need support. Bank institutions that issue “small loans” are rural credit that has not been completely eliminated by “policy”.