小额贷款公司作为一种新型金融组织,近年来在全国快速发展,公司数量、贷款规模不断扩大,成为服务三农、小微企业和自然人的一支重要民间金融新生力量。当前,小额贷款公司负债渠道单一、资金调剂困难等问题日益突出,成为制约小额贷款行业快速发展的主要因素之一。2013年,广州市从实际出发积极深化金融改革,大力开展金融组织创新,在全国率先探索设立专 As a new type of financial organization, microfinance companies have been developing rapidly throughout the country in recent years. As the number of companies and the scale of loans have continued to expand, microfinance companies have become an important emerging non-governmental financial force serving the agriculture, rural areas and farmers, small and micro-enterprises and natural persons. At present, the problems such as the single indebtedness of microfinance companies and the difficulty of transferring funds have become increasingly prominent, becoming one of the major factors restricting the rapid development of the microfinance industry. In 2013, Guangzhou City actively deepened financial reform from reality, vigorously carried out innovation in financial organizations, and took the lead in exploring the establishment of specialized units across the country