作为一种行之有效的开创性扶贫手段,小额信贷已经被世界上越来越多的国家和地区所关注和采用。实践证明,农村小额信贷在解决人数众多、缺乏金融服务的农民贷款难问题上发挥了无可替代的作用。但是,随着农村经济的发展,农村小额信贷受制度、风险、环境等多种因素的制约,其可持续性和有效性遇到了很大的挑战。2007年8月中国银监会出台了《关于银行业 As an effective pioneering means of alleviating poverty, microcredit has been paid more attention and adoption by more and more countries in the world. Practice has proved that rural microcredit has played an irreplaceable role in solving the problem of peasants having a large number of people and lacking in financial services. However, with the development of rural economy, the microcredit in rural areas is confronted with many factors, such as system, risk and environment, which pose great challenges to its sustainability and effectiveness. August 2007 China Banking Regulatory Commission promulgated the "on banking