小额信贷是对广大困难人群和微小企业主提较小金额的贷款业务的全世界所公认的能够有效帮助贫困人口,尤其是贫困农户脱贫最行之有效的方式之一。本文探究了小额信贷在国际以及国内的具体发展情况,比较研究了国际上具有代表性的德国IPC技术以及“打分卡”技术,并根据这两种技术在世界上各个地区的发展情况,结合我国实际国情,得出结论,并对我国小额信贷的未来发展道路作出了大胆预测。 Microfinance is one of the most effective and effective ways for the poor, especially those living in poverty, to recognize that poverty-stricken people, especially poor farmers, have been universally acknowledged throughout the world for the large numbers of people in difficulty and for small business owners. This article explores the specific development of microfinance in the world as well as in China, compares the internationally representative German IPC technology with the “scorecard” technology, and based on the development of these two technologies in various regions of the world , Combined with China’s actual national conditions, come to a conclusion, and made a bold prediction of the future development of China’s microfinance.