我国小额信贷可持续发展问题与对策研究

小额信贷在我国具有广阔的发展前景，对于创建和谐社会具有积极的促进作用。由于存在财务可持续性差，风险高，制度不完善和监管缺失，以及机构内部管理水平低等问题，我国小额信贷的发展面临种种制约。为了解决这些问题，有必要拓展小额信贷资金来源，推进相关制度建设及完善金融监管，实现小额信贷利率市场化，加强风险控制，同时，不断提高小额信贷机构的经营管理水平，促进小额信贷组织创新，从而实现我国小额信贷的可持续发展。

Thoughts on How to Achieve the Continuous Dvelopment of Small Credit

Small credit in China has broad prospects for development, has positive simulative effect in creating a harmoni- ous society. Due to the existence of financial sustainability, the risk is high ; the system is not perfect and regulatory is- sues. In order to solve these problems,it is necessary to expand Small credit sources, promote related sys tern construction and improve financial supervision. At the same time, constantly inprove the micro - credit institutions management level, promoting the microflnance organization innovation, so as to realize the sustainable development of china.