中文摘要：

小额贷款公司是金融改革的一次创新性进展，自诞生以来因借贷方便、形式灵活，已成为现有农村金融组织的有力补充。特别是在西部经济欠发达地区，对于有效配置区域金融资源，引导民间资金投向，解决县域中小企业和“三农”融资难的困境起到了重要推动作用。但小额贷款公司尚处于试点成长阶段，存在资金短缺、融资渠道不畅、监管缺位、业务管理水平落后、政策扶持力度不够等问题。国家应当出台积极的扶持政策，增强小额贷款公司的盈利能力；监管部门应明确监管职责，对其进行持续、动态监管；小额贷款公司自身应加强对从业人员的培训力度，提高经营管理水平。

英文摘要：

Small-loan companies are a creative product of the financial reform, since their birth, they have become strong supplement tO current rural financial organization owing to their convenient loan and flexible forms. Especially for the underdeveloped regions in west China small-loan companies have given an enormous impetus to the effective distribution of regional financial resources, the guidance of allocation of folk fund and the resolution of financing predicament of small and medium-sized enterprises and farmers. But small-loan companies are still in the early stage of growth, they come up against difficulties such as capital shortage, limited financing channels, lack of supervision, out-dated management level and insufficient policy support. The state should implement supportive policy to increase the profitability of small-loan companies. Supervision department should clarify the regulatory responsibilities to carry on continuous and dynamic supervision to small-loan companies. The small-loan companies should strengthen the training of personnel to improve management level.