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中文摘要：
小额贷款公司是金融创新的成果，其短期、高效的运作特点为我国农村金融市场注入活力，进一步促进“三农”发展。文章以小额贷款公司为主，深入分析其产生的背景以及存在的问题，积极探索突破制约小额贷款公司发展瓶颈的优化路径，为小额贷款公司的可持续发展提供理论和实践依据。
英文摘要：
Micro-credit companies are the result of financial innovation, their short-term and efficient running character inject activity into the rural financial market and provide a way for improving development of ＂three agriculture＂ . This paper focuses on micro-credit companies, conducts in-depth analysis on the background of setting up micro-credit companies and their existing problems. It explores paths to break through the bottleneck in the sustainable development of micro-credit companies, brings forward theoretical and practical reference for policy-making.
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