重庆在城乡统筹试点过程中,农村资金缺口较大,存在着农信社等正规金融机构覆盖率低与民间金融活跃的矛盾,本文根据重庆市情,试图通过建立商业性小额信贷公司来引导民间资本,弥补正规金融的不足,从而为农村地区经济发展服务。 In the course of piloting urban and rural areas as a whole in Chongqing, there is a large gap in rural capital. There is a contradiction between low coverage of informal financial institutions such as rural credit cooperatives and the active participation of private finance. Based on the situation in Chongqing, this paper tries to guide the establishment of commercial microcredit companies Private capital, to make up for the lack of formal finance, so as to serve the economic development in rural areas.