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小额贷款公司作为金融服务的一种创新,几年时间内迅速发展壮大,对支持“三农”、中小企业、个体工商户的资金需求起到了积极的作用,并得到了充分的认可。同时积极正确引导规范民间融资,完善地方金融服务,推动地方经济发展,弥补金融市场不足,成为解决贷款难的必由途径,为丰富金融服务体系承担着重要职责。小额贷款公司的产生,是当前金融市场各种客观因素相互作用的必然结果,具有存在于现条件下的合理性与必然性。在金融手段不能涵盖整个金融市场,不能满足所有市场需求情况下,小额贷款
As an innovation in financial services, microfinance companies have rapidly developed and expanded within a few years and have played a positive role in supporting the funding needs of “agriculture, rural areas and farmers”, small and medium-sized enterprises and individual industrial and commercial households and have been fully recognized . At the same time, it actively and correctly guides the standardization of private financing, perfecting local financial services, promoting local economic development, and making up for the lack of financial markets, which are the necessary ways to solve the difficulties of lending and assume important responsibilities for enriching the financial service system. The emergence of small loan companies is an inevitable result of the interaction of various objective factors in the current financial markets, with the rationality and necessity existing under the present conditions. In the financial means can not cover the entire financial markets, can not meet all market demand, the situation of small loans