尤努斯的孟加拉乡村银行为贫困家庭融资,通过建立有效的激励约束机制为贫困家庭提供小额贷款,成功地解决了贫困人口融资难的问题,为解决贫困提供了一条途径。本文结合六中全会党中央建立和谐社会的精神,探索在中国实行小额信贷的途径,并提出若干政策建议,以期为小额信贷的发展提供理论依据。 The Yunan Bengal Rural Bank, which finances poor families, provides microcredit loans to impoverished families by establishing an effective incentive and restraint mechanism and successfully addresses the financing difficulties of the poor, thus providing a solution to poverty. Combining with the spirit of establishing the harmonious society by CPC Central Committee, this paper explores the ways of implementing microcredit in China and puts forward some policy recommendations in order to provide a theoretical basis for the development of microcredit.