财务盈利空间和风险可控性是影响普惠金融信贷业务发展的两个主要因素。本文通过对安徽省宿州市农村不同经营主体生产和经营情况的调查,分析了农村贫困地区普惠型信贷对象的成本收益率,证明了在农村贫困地区开展普惠型信贷业务具有盈利空间和风险可控性,并在此基础上提出政策建议。 Financial profitability and risk control are the two major factors affecting the development of inclusive financial credit businesses. Based on the investigation of the production and operation of different management entities in rural areas in Suzhou City, Anhui Province, this paper analyzes the cost-benefit ratio of all-inclusive credit subjects in rural poverty-stricken areas and proves that there is room for profit and risks in developing universal-value credit business in rural poverty-stricken areas Controllability, and based on this policy recommendations.