小额贷款是一种“舶来品”。上个世纪80年代,曾有一些国际组织、慈善机构提供赠款在我国开始推行小额贷款,基本沿用了“孟加拉乡村银行模式”,却采用小额、低利、短期、多人联保的贷款方式。国际上的小额信贷分为福利型和制度型两大类。当前,从我国的情况看农村能否产生“新型 Microfinance is a kind of “exotic”. In the 1980s, some international organizations and charities donated grants to start small loans in our country. Basically, they followed the “Bengali Village Bank Model.” However, they used small, low-interest, short-term, multi-user loans the way. International microfinance is divided into two types of welfare and institutional type. At present, we can see from the situation in our country whether rural areas can produce a “new type.”