农村小额信贷提供了一个有效的金融模式,拓宽了农民的融资渠道,在一定程度上缓解了农村金融资源短缺的问题。本文对国内农村小额信贷发展现状进行了较为全面的分析,从而发现阻碍农村小额信贷进一步发展的问题,并提出相关建议,使中国的农村小额信贷在已有发展成果的基础上完善和发展,进而促进农村金融的发展。 Rural microfinance has provided an effective financial model, broadened the financing channels for peasants, and alleviated the shortage of rural financial resources to a certain extent. This article analyzes the status quo of microfinance in rural areas in China and finds out the problems that hinder the further development of microfinance in rural areas and puts forward some suggestions to improve China’s rural microfinance based on its existing achievements Development, thereby promoting the development of rural finance.