目前,全国共有6080家小贷公司,贷款近6000亿元,弥补了小微企业由于大型金融支持不足的局面。由于小额贷款公司仍处于探索实验阶段,其发展面临税负偏高等种种困境,必须从政策、制度等方面入手,扶持这种新型小微金融组织的发展。小额贷款公司发展面临的困境市场定位不清。小额贷款公司到底是定性为银行业金融机构,或是民间金融组织,还是一般企业,中国人民银行 At present, there are 6,080 small loan companies nationwide with loans of nearly 600 billion yuan, making up for the small and micro enterprises’ lack of support due to large-scale financial support. As microfinance companies are still in the stage of exploration and experiment, and their development is facing difficulties such as high tax burden, they must support the development of this new type of small and micro financial organizations in terms of policies and systems. The plight faced by the development of small loan companies is not clear. Microfinance companies in the end is characterized as the banking financial institutions, or non-governmental financial organizations, or general business, the People’s Bank of China