小额贷款公司的信贷利率形成,从起初的“一浮到顶”逐渐过渡到市场在其中发挥决定性作用。小额贷款公司的出现和发展提供了多元竞争环境,不仅提高了中小企业的信贷覆盖率,而且有效降低了其获得信贷服务的成本,在一定程度上平抑了民间高利贷现象,对我国利率市场化过程具有积极的借鉴作用。 The formation of the credit interest rate of the microfinance company has played a decisive role in the gradual transition from the initial “floating to the top” to the market. The emergence and development of microfinance companies have provided a multi-competitive environment, not only improving the credit coverage of SMEs, but also effectively reducing the cost of obtaining credit services, to some extent, stabilizing the phenomenon of private loan-sharking and marketization of interest rates in China The process has a positive reference.