推荐回答（1个）
无论在国内还是国外，小额信贷都是伴随着扶贫活动发展起来的。它是向穷人和中低收入群体提供信贷服务以期帮助他们摆脱贫穷的活动。 No matter at home or aboard, micro-credit develops together with the activity of supporting the poor. It is the activity to provide the poor people and low-income group with the credit service in order to help them to get rid of the poverty. 帮助中低收入阶层，或者是注重金融机构本身的特性以实现独立生存和持续发展。要么是着重强调小额信贷的扶贫功能，强调小额信贷必须服务于穷人中的最穷者。更有人把小额信贷直接等同于福利行为，要求其完全依靠外界的补贴，以低利率或无息贷款的方式开展活动。 要么是强调小额信贷的商业可持续性，要求按市场规律进行信贷服务，并认为这样才能激励机构持续投入，并最终真正地造福穷人。而我国的小额信贷正在走这两条路，我们应该偏向一方或者是可以求得两者的平衡？ Micro-credit helps the low-income group, or pays attention to the characteristics of the financial institutions themselves in order to achieve independent survival and sustainable development. On one hand, micro-credit's function of supporting the poor is emphasized and it is highlighted that micro-credit must serve the poorest of the poor. Some people even directly equate micro-credit with the welfare, and demand that it should wholly depend on the subsidy from the outside and launch the activities in a manner of low interest rate or interest-free loan. On the other hand, micro-credit's commercial sustainability is emphasized, and it is demanded that the credit service should operate according to the market discipline, which is regarded as the only way to stimulate the continued investments from the institutions and truly benefit the poor people in the end. At present, China's micro-credit is operating in both ways, and should we prefer one to the other, or can we possibly achieve the balance of the two?
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