小额贷款在中国的发展已近30年,虽然发展趋势良好,但是它的作用远没有发挥出来。同国外小额信贷发展的情况相比,中国的小额信贷如何才能获得进一步的发展是我们一直在思考的问题,本文从我国市场情况和其自身的运作机制两个大的方面浅析了小额贷款在中国的发展进程中所面临的问题。 Microfinance has been developing in China for nearly 30 years. Although its development trend is good, its role has far been neglected. Compared with the development of foreign microfinance, how to get further development of China’s microfinance is what we have been thinking about. This article analyzes the situation of China’s market and its own operating mechanism, two major aspects of the small Loans in China in the process of development problems.