中文摘要：

信用秩序包括正式信用制度和非正式信用制度。正式信用制度可以通过借鉴和移植来构建,非正式信用制度却需要长期的积累而形成。小型金融之所以能够取得成功并不仅仅是采取了小组联保制度,而是成功运用了小组联保制度所蕴含着的非正式规则。农村小型金融组织的信用制度构建,除了设计恰当的正式制度外,还需要非正式制度的演化积累。

英文摘要：

Constructing a credit order includes not only formal credit institutions,also informal credit institutions.Formal credit institutions can be structured by drawing from and transplanting experiences of others,but the formation of informal credit institutions requires long-term accumulation.The success of micro finance not just relies on the group＇s co-guarantee loan institution,but the successful use of the group＇s co-guarantee loan institution which contains informal rules.In addition to design appropriate formal institutions,the construction of credit institutions of rural micro finance organizations also need the accumulation of informal institutions.