我国各地小额贷款公司发展现状及对策研究

小额贷款公司作为对金融市场的重要补充成分，对促进经济发展起到了重要作用。但在以往对其发展的研究中，多为微观个体的分析，很少有从宏观层面涉及全国范围的基本情况研究，而文章以全国三十一个省级行政区域的经济数据为基础，对其进行相关指标体系评价和回归分析，研究发现各地小额贷款公司的发展存在有显著不足和问题，并结合我国小额贷款公司的当前状况，为其提出进一步健康发展的对策和建议。

Exploration of the Micro-credit Companies＇ Situation in China

As an important supplement to the financial market, the micro-credit company plays an important role in promoting China＇s economic development. However,most of previous studies in this field are at a micro level ,few of which can analyze from macro views. Based on survey data of micro-credit companies from 31 provinces in China, this paper analyzes the situation of micro-credit companies at a macro level by constructing an index system and regression analysis. Studies show that a lot of significant deficiencies and problems exist in micro-credit companies in China. Combined with the current status, several countermeasures and suggestions are proposed to help these micro credit companies.