农村、农业、农民问题是党和政府高度关注的战略性问题,“三农”问题关系社会大局稳定,同时与我国经济发展也有密切的联系。要发展农村经济、提高农民收入,农村金融服务必不可少。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,目的是为消除贫困和发展农业生产。本文在借鉴国内外已有研究成果的基础上,对山东省农村小额信贷的现状及运行绩效进行实证分析,为构建山东省农村小额信贷良好可持续发展路径提供方法和建议。 The questions of rural areas, agriculture and peasants are the strategic issues that the party and the government attach great importance to. The issue of “three agricultural issues” is in a stable social situation and is also closely linked to the economic development of our country. To develop the rural economy and increase the income of farmers, rural financial services are indispensable. Microfinance is a small-scale financial service targeted at urban and rural low-income groups in order to eradicate poverty and develop agricultural production. Based on the existing research results at home and abroad, this paper makes an empirical analysis of the current situation and operating performance of rural microfinance in Shandong Province, and provides methods and suggestions for building a good sustainable development path of rural microfinance in Shandong Province.