作为适应我国基本国情、推选普惠型金融体系的一种创新、以为“三农”和小微企业提供金融服务的“金融毛细血管”———小额贷款公司,在各级地方政府以及相关部门的积极推动下,已在全国各地如雨后春笋般涌起。本文通过对近年来南安市小额贷款公司的创办、经营情况进行深入调查的基础上,分析当前小额贷款公司运行、改制、监管中存在的问题和面临的发展瓶颈,提出促进小额贷款公司合规经营、可持续发展的建议。 As an innovation to adapt to the basic national conditions of our country and to select a Pratt & Whitney-type financial system, the “micro-finance companies” that provide financial services to small-and-medium-sized enterprises think that " With the active promotion of local governments and relevant departments, it has sprung up all over the country. Based on the in-depth investigation of the establishment and operation of small loan companies in Nanan in recent years, this article analyzes the existing problems and the development bottlenecks in the operation, restructuring and supervision of the current small loan companies and puts forward some suggestions to promote the development of small loan companies Compliance Management, Sustainable Development Suggestions.