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扶贫性公益小额贷款机构是有效缓解“三农”融资需求的方式之一。本文对宁夏盐池县妇女创业小额信贷中心的运行进行长期跟踪和调研．总结了其主要特点和成效，并提出了通过建立小额信贷与农户自助组织的利益共同体，实现信贷的高效率和机构可持续；建立以推广员为纽带的信贷服务体系等几点建议。“,”Non-profit poverty alleviated micro-credit institution is one of effective ways to satisfy the financing requirement of a- griculture, rural areas and farmers. The paper has made a research on the operation of women entrepreneurs micro-credit center in Yanchi county for a long time, summarizes its characteristic and effects, and puts forward suggestions that by forming a benefit com- munity between micro-credit and farmers self-help organization, the high efficiency of the credit and the sustainability of the institu- tions are both achieved, and credit service system should be established with the promotion assistants as the link.