许多人歌颂小额信贷让穷人过上了好日子,但它依然有许多缺陷。目前的小额信贷主要依赖富翁的慈善捐助作为抵:,相互间缺乏竞争,因此导致了贷款利率过高,规模无法扩大等问题。或许,充分商业化,让这场了不起的社会启蒙摆脱慈善捐助才是它的正确发展方向。 Many people praise microfinance for the poor to have a good day, but it still has many shortcomings. The current microcredit mainly relies on charitable donations from rich people to offset the lack of competition among each other. As a result, the interest rate of loans is too high and the scale can not be expanded. Perhaps it is its right direction to fully commercialize and rid itself of charitable donations for this great social enlightenment.