2008年5月以来,我国商业性小额贷款公司试点推广迅速,然而,2009年6月18日银监会出台的有关小额贷款公司转制村镇银行的规定却引起了广泛的争议。本文在梳理相关政策的前提下,分析了转制规定及其争议的主要内容,进而对小额贷款公司转制争议及其未来发展方向进行了反思,认为村镇银行并非小额贷款公司的唯一发展方向,转制规定有其合理性。 Since May 2008, pilot commercial micro-credit companies in China have been rapidly piloted. However, the regulation promulgated by China Banking Regulatory Commission on the conversion of rural micro-loan banks to rural banks on 18 June 2009 has aroused widespread controversy. On the premise of combing related policies, this article analyzes the main contents of the regulations and the controversies on the restructuring, and then reflects on the restructuring controversy and the future development of the small-loan companies. It concludes that the rural banks are not the only development direction of the small-loan companies, The regulation of conversion has its rationality.