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发展普惠金融,发展小额贷款,对于缩小贫富差距,对于支持农民和小微企业的发展具有重要的意义,也是我国金融体制改革的一个重要突破方向。当前,小额贷款公司试点工作已经开展,在实际中也面临不少法律风险和问题,严重阻碍了小额信贷公司的发展。鉴于此,有必要对小额贷款公司加强监管,扩充融资渠道,完善相关法律法规等,以保障小额信贷公司健康持续发展。
The development of inclusive finance and the development of microcredit loans are of great significance for narrowing the gap between the rich and the poor and for supporting the development of peasants and small and micro enterprises. They are also an important breakthrough direction for the reform of China’s financial system. At present, the pilot work of small loan companies has been carried out. In practice, they also face many legal risks and problems, seriously hampering the development of microfinance companies. In view of this, it is necessary to strengthen the supervision of small loan companies, expand financing channels and improve relevant laws and regulations so as to ensure the healthy and sustainable development of microfinance companies.