小额信贷作为一种服务于贫困人群的金融工具,为提高贫困阶层收入,构建和谐社会发挥了积极地作用,但在实践中也暴露出了许多不足。本文首先指出了我国小额信贷发展中所存在的问题,然后提出了相关建议,旨在促使我国小额贷款制度不断完善发展。 Microfinance, as a financial instrument serving poor people, has played an active role in raising incomes of poor people and building a harmonious society. However, many deficiencies have also been exposed in practice. This paper first points out the problems in the development of microfinance in our country, and then puts forward some suggestions to promote the continuous development of China’s microfinance system.