建立联户担保、共同承担风险的经济声誉机构 ,是小额信用贷款成功的关键 ;同时又是社会弱势群体自身克服信用度低、解决生存和发展融资难的根本办法 It is the key to the success of small-sum credit loans to establish an economic reputation agency with joint guarantee and risk sharing. At the same time, it is the fundamental solution to the problem of low credit standing, the solution to the problem of survival and development of financing for vulnerable groups in the society