福建省福安市于2001年成立农户自立服务社,采取“小额信贷、整贷零还、五户联保、小组互助、技术服务”的运作模式,开展小额信贷扶贫,实现了扶贫由“输血”向“造血”的转变,探索出一条在市场经济体制下,为贫困人口提供有效信贷服务的同时实现信贷机构自身可持续发展的新路子。 Fu’an City, Fujian Province established the Farmer Self-Service Service in 2001 to take the mode of operation of “Microfinance, Zero Credit, Five UniPay, Group Mutual Assistance and Technical Services” to carry out microfinance to alleviate poverty and achieve poverty alleviation From “blood transfusion” to “blood transfusion”, we have explored a new way to realize the sustainable development of credit institutions while providing effective credit services to the poor under the market economy system.