在探讨有关小额信贷及其在中国发展的基本问题上,理论界和有关政府部门一直存在认识上的偏差,在上期本刊刊登的中国银监会政策法规部主任黄毅博士撰写的“中国小额信贷问题研究(上)”中, 作者集中探讨了小额信贷的基本问题及小额信贷的国际经验,下文作为上期文章的延续,集中分析了小额信贷在中国所面临的若干问题并提出了相关的政策建议。 On the issue of microcredit and its development in China, the theoretical circles and relevant government departments have always had some deviation in understanding. In the last issue of the China Banking Regulatory Commission, director of policies and regulations, Dr. Huang Yi wrote the “small amount of China (On) ”, the author focused on the basic issues of microfinance and microfinance international experience, the following article as a continuation of the previous article, focused on the analysis of some of the problems facing microfinance in China and put forward Related policy recommendations.