高利贷一向被人们咒骂,古今中外莫不如此,直到近几年世界银行发表了对各国小额贷款的成败研究,才对农村高利贷的合理性给予了肯定。小额贷款从大约二十年前开始试验,有不计其数的失败经验,慢慢地找到了成功的窍门,其中包括远高于市场利息率的借贷利率。小额贷款不但没有剥削穷人,反而是 Usury has always been people cursing, ancient and modern, and so on, until in recent years the World Bank published a study of the success or failure of microfinance in various countries, only to the affirmation of the rationality of rural usury. Microfinance has been experimenting about twenty years ago and has countless experience of failure, slowly leading to successful tricks, including lending rates well above market interest rates. Microfinance not only did not exploit the poor, but instead