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小额贷款公司作为农村金融制度一项创新,经过三年多的实践,在支持“三农”和中小企业发展中已初步显现出应有的作用,也为地方政府组织民间金融资源开辟了新的途径。但在蓬勃发展过程中,暴露出收益率低、监管滞后、单户贷款金额大、贷款用途指代不明等一些问题。如何引导其持续发展,是亟待研究解决的重要课题。
As an innovation in the rural financial system, after three years of practice, microfinance companies have initially shown their due role in supporting the development of “agriculture, rural areas and farmers” and the development of small and medium-sized enterprises. They have also opened up an opportunity for local government organizations to organize private financial resources A new way. However, during the booming development, some problems such as low yield, lagging supervision, large amount of single-family loans and unknown purpose of loans were exposed. How to guide its sustainable development is an important issue to be solved urgently.