一、小额贷款公司可持续发展面临的问题(一)后续发展资金缺乏,难以满足市场需求长期以来,我国金融市场发展缓慢,市场竞争不充分,再加上借贷双方信息不对称、交易成本高和合约实施困难等因素影响,我国广大小微企业和农户普遍存在正规信贷配给的现象。尤其是在2010年11月实施稳健的货币政策以来,正规金融机构普遍压缩了 I. Problems Faced by the Sustainable Development of Microfinance Enterprises (I) Follow-up Development Lack of funds to meet market demand For a long time, the development of China’s financial market is slow and the market competition is not sufficient. Coupled with the information asymmetry between the lenders and borrowers and the high transaction costs And the implementation of the contract and other factors, the majority of small and micro enterprises and farmers generally exist the phenomenon of formal credit rationing. In particular, formal financial institutions have generally contracted since the introduction of a robust monetary policy in November 2010