在国家金融政策的指导支持下,全国小贷公司迅速发展。以七台河市为例,目前已正式挂牌经营的小贷公司共计9家,截至今年6月末,贷款余额45575万元;贷款以个人为主,个人贷款余额占贷款总额的84.58%。目前来看,其虽然取得了一定的“支农,支小”效果,但其发展中存在的一些可能的风险需提前予以关注。七台河小贷公司目前已执行的利率最低10.80%,最高26.32%,最低利率比市农村信用社高2.73%。小贷公司面临的客户往往是那些大型银行 Supported by the guidance of the State financial policy, the rapid development of small-loan companies throughout the country. Taking Qitaihe City as an example, there are currently 9 small loan companies officially listed. As of the end of June this year, the balance of loans was 455.75 million yuan. The loans were mainly personal and the balance of personal loans accounted for 84.58% of the total loans. For the moment, although it has achieved some “supportive agriculture and small support” effects, some possible risks in its development need to be paid attention in advance. Currently, the interest rate of Qitaihe Small Loan Company has been implemented at a minimum of 10.80% and a maximum of 26.32% with a minimum interest rate of 2.73% higher than that of the municipal rural credit cooperatives. Small loans companies are often faced with those large banks