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贫民小本借贷,是由国家为贫民提供小额、低息贷款,帮助贫民依靠自身力量来摆脱贫困的一种社会救济制度。这种贫民救济的方式,符合近代以来社会救济领域变“消极救济”为“积极救济”的发展潮流。但是,贫民小本借贷在推行过程中,却遇到了种种问题,取得的救济效果也差强人意。为此,民国政府在将贫民小本借贷纳入国家社会保障体系的同时,也积极进行了一系列关于贫民小本借贷的制度变革,最终在扶助农工商、救助贫困方面,取得了显著的经济效益与社会效益。
Small-scale loans to the poor is a social relief system by which the state provides small and low-interest loans to the poor to help the poor rely on their own strength to get out of poverty. This kind of relief for the poor is in line with the development trend of “negative relief” and “positive relief” in the field of social relief in the modern era. However, small loans to poor people in the implementation process, but encountered various problems, the remedial effect obtained is also unsatisfactory. To this end, the government of the Republic of China incorporated a series of institutional changes concerning small loans to the poor while bringing small loans to the poor into the state social security system. In the end, it achieved significant economic benefits in supporting agricultural, industrial and commercial enterprises and helping the poor. Social benefits.