摘要小额贷款公司是由自然人、企业法人与其他社会组织投资设立，不吸收公众存款，经营小额贷款业务的有限责任公司或股份有限公司。小额贷款公司发放贷款应坚持“小额、分散”的原则，鼓励面向“三农”和中小企业提供信贷服务。小额贷款涉贷金额小、手续便捷、实用性强，自试点以来，已经渗透进了中国经济生活的方方面面。本文在对国际上小额信贷机构发展研究的基础上，剖析了中国各地区小贷公司的经营现状以及基本特点。通过将小贷公司与传统银行以及非银行金融机构相关业务的对比，展示小贷公司的市场优势以及投资价值。并在此基础上从宏观经济、政策扶持、市场需求、行业发展等不同视角对小贷公司的发展前景做出客观预测。本文主要是在政府相关小额贷款公司制度政策及理论指导下，通过对国内外小额贷款公司发展现状的分析，借鉴国外小额信贷公司的成功发展经验，在国内现有模式的基础上，进一步完善小额贷款公司的可持续发展思路，从而改善国内小额信贷现有发展模式中存在的经营定位问题、监管问题、风险控制薄弱、后续资金补充困难等问题，从理论上积极探索小额贷款公司发展的优化路径。希望能对小额贷款公司的制度设计、发展情况进行梳理，争取对小额贷款公司未来发展的相关决策提供理论和实践依据。关键词：小额贷款公司；可持续发展；委托贷款；私募股权投资基金IAbstractAbstractMicrofinanceistomeetthelow-incomefinancialloandemandamethod.Throughtheprovideshort-termmicrofinance,savings,andotherfinancialservices,makeindividualoperatorsorlow-incomepeoplegetstartupcapital,andincreaseyourincome.Itisbecauseofsmallloanscanusefinancialmeanstohelpthepoorgroupsoutofpoverty,sincethe1970ssincemadeinBangladesh,LatinAmericaisthedevelopingcountriesoftherapidpromotion.Microfinancecompanyisbythenaturalperson,legalpersonenterpriseandothersocialorganizationsinvestmenttosetup,don'tabsorbpublicdeposits,smallbusinessloanbusinesslimitedliabilitycompanyorjointstocklimitedcompany.Microfinancecompaniesissueloansshouldadheretothe"smallandscattered"principle,toencourage"agriculture,countrysideandfarmers"andsmallandmedium-sizedenterprisestoprovidecreditservice.Microfinanceloanamountinsmall,theprocedureisconvenient,practicalstrong,thepilotsince,haveinfiltratedtheChineseeconomyeveryaspectoflife.Inthispapertheinternationalmicrofinanceinstitutionsbasedonthestudyofthedevelopment,thispaperanalyzesthevariousregionsofChinasmallloancompanycurrentsituationofmanagementandbasiccharacteristics.ThroughthesmallloancompanyandtraditionalBanksandnon-bankfinancialinstitutionsrelevantbusinesscontrast,showsmallloancompany'smarketadvantagesandinvestmentvalue.Andonthisbasisfromthemacroeconomicandpolicysupport,marketdemand,thedevelopmentoftheindustrydifferentperspectives,suchasthesmallloanstothedevelopmentprospectofthecompanymakeobjectiveforecast.Thispaperismainlyintherelevantgovernmentsmallloanscompanysystemandpolicyguidance,throughthedomesticandinternationalmicrofinancecompanyofthepresentdevelopmentofanalysis,foreignmicrofinancecompany'ssuccessfuldevelopmentexperience,inthecountryonthebasisoftheexistingmodel,furtherimprovethesmallloansthesustainabledevelopmentofthecompanyideastoimproveexistingdomesticmicrofinancedevelopmentmodeofpositioningproblemexistinginthemanagementandregulatoryissues,riskcontrolweak,thefollow-upfundsaddeddifficulty,theoreticallyactivelyexploresmallloanstooptimizethepathforthedevelopmentofthecompany.Inhopesofmicrofinancecompanysystemdesign,developingsituationofcomb,andfightonmicrofinancecompanyforthefuturedevelopmentoftherelateddecisionprovidesthetheoryandthepracticebasis.Keywords：microfinan...
