田俊荣先生的《借得春风润溪山——婺源推行小额农贷纪实》(以下简称《纪实》),是一篇颇有价值的报导,也值得认真评论一番。这不仅是由于,婺源的经验为农村金融改革提供了重要借鉴,而且是由于,进一步探究它所提出的问题,更有利于金融理论和实践的发展。这就是笔者打破惯例,应《银行家》杂志编者之约,写这篇评论的原因。 Mr. Tian Junrong’s “Borrowing the Spring Run Run Hill - Wuyuan Small Track Record” (hereinafter referred to as “Documentary”) is a valuable report and worth serious consideration. This is not only because Wuyuan’s experience provided an important reference for rural financial reform, but also because it further explores the issues raised by it and is more conducive to the development of financial theory and practice. This is why I wrote this comment at the discretion of the editor of The Banker magazine.