在现有信贷市场格局下,小额信贷作为中国信贷市场的新兴事物,明显还存在着实验的性质。本文将通过对信贷市场结构的分析,对小额信贷的供给局面进行阐述。其次针对小额信贷的受众,从需求角度解析小额信贷的现状。并从市场供需、工作机制、面临问题等方面对我国小额信贷的可行性进行分析,尝试为小额信贷未来的发展之路进行规划。 Given the current pattern of credit markets, microfinance, as a new phenomenon in the credit market in China, obviously has experimental features. This article will analyze the credit market structure, the microfinance supply situation described. Second, for the audience of microfinance, from the perspective of demand analysis of the status of microfinance. And analyzes the feasibility of China’s microfinance from the aspects of supply and demand in the market, working mechanism and problems faced, and attempts to plan for the future development of microfinance.