One; Microfinance organizations can be divided into two categories according to the characteristics of their business operations: commercial and welfare, also known as institutional and welfare. The former emphasizes the institutional sustainability of microfinance management and target design, represented by the People's Bank of Indonesia. The latter pays more attention to the role of the project in improving the economic and social welfare of the poor, represented by Bangladesh Rural Bank. Two: Many enterprises stand out in microfinance. For example, Ziqing Finance is one of the leaders in the comprehensive P2P field, which integrates wealth management, credit risk assessment and management, credit data integration services, micro-loan industry investment, micro-loan consulting services and transaction promotion, providing customers with all-round and personalized inclusive financial and wealth management services. Yibaotong focuses on capital lending in the field of construction engineering, providing comprehensive network services for small and medium-sized enterprises to start businesses, finance business funds and personal consumption loans. The third is to build the fastest financing platform for small and micro enterprises and private capital, actively explore the best way in the field of debt financing, and strive to build a high-speed, effective and legal peer-to-peer lending platform with characteristics. Lenders and borrowers will pair up independently to solve the most urgent loan and financing problems for individuals and small and medium-sized enterprises in China. Solving the problem of the poor is a great difficulty for most countries in the world, because all kinds of social problems caused by poverty will lead to the turmoil of the whole country. By improving the economic situation of low-income people, microfinance can greatly increase the effective demand of the whole society and promote social investment and production and national economic development. Small secured loans originated in Bangladesh. Four: In 1970s, Muhammad Yunus founded Grameen Experimental Sub-branch of Agricultural Bank of Bangladesh, and the Grameen microfinance model began to take shape. Yunus proposed to reform capitalism. Primitive capitalism advocates competition and capital pursues profit. Yunus proposed to change the original capital model theory. Because, first of all, everyone has the potential as an entrepreneur, even the very poor people have the basic potential as entrepreneurs, so as entrepreneurs or capitalists, they have no right to be more preferential than the poor, such as tax policy, land policy and so on. This is unfair to everyone in society. Because of Matthew's law, the poor will be poorer, the rich will be richer, and the gap between the two poles will gradually widen, thus causing social instability. Secondly, the maximization of social value should replace the existing profit maximization. Social value orientation should be established, so that enterprises can not only make profits for shareholders greedily. On the basis of this theory, Yunus established Grameen Bank, advocating that loans should be a human right and establishing inclusive finance's service system. Five: because resources naturally tend to capital, the rich can get interest, and it is difficult for the poor to get rid of poverty without the first money. Grameen provided the first money and believed that the creativity and potential of individuals did not need any guarantee from the poor. He set up a system for poor people to form five groups to make loans, and used layers of trust-the trust of neighbors and relatives, and Grameen's trust in the poor-to improve the repayment rate. From June 65438 to June 0979, under the guidance of the Central Bank of Bangladesh, each state-owned bank should provide three branches to start the Grameen Bank project.