小额贷款公司为民间资本寻找到了一条新的投资渠道,在解决小微企业融资难和农民贷款难的问题上发挥了重要作用。但由于小额贷款公司还处于试点阶段,从经营现状看,还存在资金少、融资难、盈利周期长、抗风险能力弱等问题,本文针对这些问题,提出解决小额贷款公司发展问题的对策。 Microfinance companies have found a new investment channel for private capital, playing an important role in solving the financing difficulties of small and micro enterprises and the difficulty of peasants’ loans. However, as the small loan company is still in the pilot stage, there are still some problems such as less fund, difficult financing, long profit cycle and weak anti-risk ability. Therefore, this paper puts forward some countermeasures to solve the problems of the development of small loan companies .