本文指出了小额贷款公司面临着性质定位、监管体制、资金来源、经营风险和技术支撑等方面的约束,影响其可持续发展。政府要促进其更加规范化发展,就必须制定相应的法律法规,采取健全制度、改善发展环境以及创新经营模式等一系列措施加以解决。 This paper points out that the microcredit companies are confronted with the constraints of their nature orientation, regulatory system, funding sources, operational risks and technical support, which will affect their sustainable development. To promote its more standardized development, the government must formulate corresponding laws and regulations, adopt a series of measures such as improving the system, improving the development environment and innovating business models.