小额贷款自引入我国以来,极大地与我国的实际情况相结合,并且取得了良好的发展,很大程度上缓解了农民发展缺乏资金的问题。但是我们不可否认,因为小额贷款还是一个新生的事物,它仍然存在着很多的问题,并且制约了它的发展。本文对于小额贷款存在的问题,表现提出自己的看法,并在此基础上,提出一些对于小额贷款问题的意见和建议。 Since its introduction into our country, microfinance has been greatly integrated with the actual situation in our country and has achieved good progress, which has largely alleviated the problem of lack of funds for the development of peasants. However, we can not deny that as microfinance is still a new-born thing, it still has many problems and restricts its development. This article puts forward my own views on the problems and the performance of the micro-loan, and on this basis, puts forward some opinions and suggestions on the issue of the micro-loan.