近几年来,小额贷款在我国得到了长足的发展,由于其服务对象的特殊性,对规范民间信贷市场,有效解决三农问题和中小企业融资问题提供了重要条件,但是金融机构在有效开展小额贷款的形势下,也面临这许多的问题和挑战。因此,需要调整自身管理工作水平,才能有效加强小额贷款管理水平,促进小额贷款事业的发展。 In recent years, microfinance has made great progress in our country. Due to the particularity of its clients, it provides important conditions for regulating the private credit market, effectively solving the issues concerning agriculture, farmer and rural area and financing for small and medium-sized enterprises. However, The situation of small loans also faces many problems and challenges. Therefore, it is necessary to adjust the level of its own management work in order to effectively enhance the management level of micro-loans and promote the development of the micro-loan business.