Group lending is a form of small loan on credit, which succeeds considerably when loanees, as a result of lacking any substantial property as guaranty, can only resort to the personal credit as gage.

• 摘要团体贷款实际上是一种小额信贷，它在解决贫困的贷款者缺乏资产抵押，只能以个人信用作为担保的实践中获得了极大的成功。