中文摘要：

本文基于小额贷款公司发展的现状和特征,比照其设立初衷对其效果进行了评价并分析了其存在的主要问题。近年来一些地方性的政策调整,一方面尝试利用市场手段引导小额贷款公司服务＂三农＂,另一方面加强了监管力度。但小额贷款公司的健康发展,仍需要人民银行和银监会在全局范围内对其做出明确的制度安排。

英文摘要：

This paper based on the current development situation and characteristics of micro-credit corporation, evaluates the ef- fect of micro-credit corporation satisfying the loan demand of agriculture, lamer and rural area, analyzes the main problems and causes of it. Then it puts forward some suggestions according to the policy adjustment implemented in some provinces in recent years.