农村小额信贷是我国农村经济发展的重要资金供给渠道,但是随着这项工程的进行,贷款利率、缺乏监管、贷款品种单一、风险大等一些新的问题开始浮现出来并成为阻碍小额信贷进一步发展的障碍。文章就其中比较普遍和重要的问题进行了分析总结,并根据国外相关经验和对国内相关政策的理解有的放矢地提出了一系列对策,以便更好地促进农村小额信贷的健康发展。 However, with the progress of this project, some new problems such as loan interest rate, lack of regulation, single type of loan, high risk and so on began to emerge and become obstacles to the development of microfinance Obstacles to further development. The article analyzes and summarizes some of the more common and important issues and puts forward a series of countermeasures based on relevant experience in foreign countries and their understanding of relevant domestic policies so as to better promote the healthy development of rural microfinance.