一、小额信贷技术创新的动因分析面向穷人,尤其是农村地区贫困人群的信贷市场发育迟缓、效率低下,是发展中国家普遍面临的难题。一方面,贫困人群限于各种主客观条件,很难依靠自身力量摆脱贫困,迫切需要信贷资金的支持。另一方面,贫困人群没有信用记录,缺乏有效的担保品,违约责任约束有限,使得现代商业银行的信贷风险管理技术难以实施。而货币 I. Motivation Analysis of Technological Innovation in Microcredit Faced with sluggish and inefficient credit markets for the poor, especially those in rural areas, it is a common problem faced by developing countries. On the one hand, the poor are limited to all kinds of subjective and objective conditions, it is difficult to rely on their own strength to get rid of poverty and urgently need the support of credit funds. On the other hand, poor people do not have credit records, lack of effective collateral, and limited liability for breach of contract, making modern commercial bank credit risk management technology difficult to implement. The currency