小额贷款是一种为引导资金流向农村和欠发达地区,改善农村地区金融服务,促进农业、农民和农村经济发展,支持社会主义新农村建设的信贷服务方式。既是一种重要的扶贫方式,更是金融服务的一种创新方式。小额贷款公司作为农村金融和小微企业融资的一股新兴力量,在全国范围类陆续成立,并快速发展。为积极探索破解“三农”及小微企业融资难题,正确引导、积极规范民间融资,完善我 Microfinance is a form of credit service that guides the flow of funds to rural and underdeveloped areas, improves financial services in rural areas, promotes the development of agriculture, farmers and the rural economy, and supports the building of a new socialist countryside. It is not only an important way to alleviate poverty, but also an innovative way of financial services. As an emerging force in financing rural finance and small and micro enterprises, the microfinance companies have been established one after another in the country and have been developing rapidly. In order to actively explore ways to solve the financing problems of agriculture, rural areas and farmers and small and micro enterprises, correctly guide and actively regulate private financing and improve me