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小额信贷是一种以城乡低收入阶层为服务对象的小规模金融服务方式,其目的是对贫困农户、中低收入者、微型企业进行小额贷款,以帮助其获得自身生存与发展的机会,提高竞争力。近些年,小额贷款公司已成为农村金融体系出现的新生力量,它在服务三农和中小企业的发展方面有着重大作用,但仍面临着诸多障碍,成长陷入困境。本文对小额贷款公司内部运营机制问题与外部监管制度作了分析,找出了面临着的障碍、困境,并对如何从法律上帮其摆脱障碍、困境,促其顺利发展作了探索。
Microfinance is a small-scale financial service targeted at urban and rural low-income groups. Its purpose is to provide microcredit loans to poor farmers, low-income middle-income people and micro-enterprises to help them gain their own survival and development opportunities , Improve competitiveness. In recent years, the microcredit company has emerged as a new force in the rural financial system. It plays an important role in serving the development of agriculture, rural areas and farmers and small and medium-sized enterprises. However, it still faces many obstacles and its growth is in a dilemma. This article analyzes the internal operating mechanism and external supervision system of small loan companies, finds out the obstacles and difficulties they face, and explores how to get rid of obstacles, difficulties and promote their smooth development legally.