Due to economic and financial changes both at home and abroad , it is a critical phase that the vulnerable group enjoy the equal opportunity of credit services offered in the time of financial innovation . However , there not only exists severe″blood- losing″effect in our fundamental financial institutions , but also lacks credit service technology which is adaptable to the needs of the vulnerable group . These situations have been obstacles that confine their subsistence and development . As indicated by the case of Taizhou Commercial Bank ( TCB) , under properly arranged framework , microcredit based on sustainable commercial principle can benefit financial institutions ,vulnerable group , and government . Moreover , the vulnerable group always has better credit and can accept higher capital cost . To solve the poverty problems of vulnerable group , just helping them by″transfusing blood″or offering capital is not enough;instead , offering the equal opportunity of credit services through financial innovation is more important in achieving the″blood-producing″effect . With the help of foreign technology of microcredit , together with localized innovation , we have to change the experiential mode to repetitive standard credit technology , and spread this mode to larger areas . This is a practical choice with which the vulnerable group gets an access to sustainable financial support .