如何向农村人口提供金融服务,是农村经济发展必须要解决的问题,也一直是各国政府面临的挑战。农村小额信贷的实践和发展为解决这一问题提供了全新的思路。但我国农村小额信贷的发展目前仍处于实验探索阶段,还面临着各种各样的风险和挑战。本文分析了农村小额信贷发展过程中的问题,并结合实际提出了大力拓展农村小额信贷的建议。 How to provide financial services to the rural population is a problem that must be solved in rural economic development and has always been a challenge for all governments. The practice and development of rural microfinance has provided a completely new idea for solving this problem. However, the development of rural microfinance in our country is still at the stage of experimental exploration and is still facing various risks and challenges. This paper analyzes the problems in the development of rural microfinance and puts forward some proposals to vigorously expand the rural microfinance.