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本文综述了小额信贷问题的理论研究。首先介绍了小额信贷的定义和目标,在此基础上着重分析了目前国内小额信贷研究视角及成果:第一,从扶贫的角度来研究小额信贷,从其产生之初,就与扶贫联系在一起,为大量低收入(包括贫困)人口提供金融服务;第二,从农村金融改革历程的视角研究小额信贷,小额信贷的引入和充分发展将有利于完善农村金融结构体系;第三,对小额信贷运行的绩效评估研究。
This article reviews the theoretical research on the issue of microfinance. First of all, the author introduces the definition and goal of microfinance. On this basis, it mainly analyzes the research perspectives and achievements of domestic microfinance. Firstly, it studies microcredit from the perspective of poverty alleviation. From the very beginning, Second, from the perspective of the history of rural financial reform, the study of microcredit, the introduction and full development of microfinance will be conducive to improving the rural financial structure system; Third, the performance evaluation of the micro-credit operation.