小额信贷(又称微型金融),是指为低收入阶层(包括贫困户)提供贷款和存款服务。其贷款一般指能用于生产目的而不用于消费,通常具有小额度、短期、分期还款,不需担保或具有灵活多样的担保形式、市场利率水平、贷款成员的自我组织等特征。其存款是建立在个人账户基础上的自愿储蓄及其交易【4】。当今世界,尤其是发展中国家,小额信用贷款在不同程度上已成为扶持中下收入群体和贫困群体改善生产、生活境况的一项重要手段。尽管它在我国的发展历史还很短,但发展的势头不小,也已有相当的规模。但是我们也能冷静地看到,在发展的过程中一些矛盾和问题已经显现出来,阻碍了小额信贷的可持续发展。为此,本文以中国工商银行为研究对象,对其当下小额信贷业务出现的现状及问题原因进行分析,并尝试提出能使商业银行小额信贷业务可持续发展下去的建议和对策。 Microfinance (also known as microfinance) refers to providing loans and deposit services to low-income groups, including poor households. Loans generally refer to loans that can be used for productive purposes and not for consumption. They usually have small amounts, short-term repayments, unsecured guarantees or flexible forms of guarantee, market interest rates and self-organization of loan members. Their deposits are voluntary savings based on personal accounts and their transactions [4]. In today’s world, especially in developing countries, microfinance loans have, to varying degrees, become an important means of supporting the middle and lower income groups and the poor to improve their production and living conditions. Although it has a very short history of development in our country, the momentum of its development is not small and has reached a considerable scale. However, we can also calmly see that some contradictions and problems have emerged during the course of development, which have hindered the sustainable development of microfinance. Therefore, this article takes ICBC as the research object, analyzes the current situation of the current microcredit business and the reasons of the problems, and tries to put forward the suggestions and countermeasures that can make the commercial bank microcredit business sustainable development.