当前实现中国经济可持续发展、构建和谐社会最为关键的是三农问题,而农村金融支撑力度的减弱是影响农村稳定、农业发展与农民增收极其重要的制约因素。本文通过对小额信贷持续的商业化运作来实现社会发展目标,这一扶贫领域的创新对于解决我国“三农”问题和缩小我国贫富差距有着重大的理论和实践意义。本文通过分析我国农村小额信贷的现状及存在的三点大问题,并提出了改善措施。 At present, the most important issue for achieving sustainable development of Chinese economy and building a harmonious society is the issue of agriculture, rural areas and farmers. However, the weakening of rural financial support is a crucial factor that affects the stability of rural areas, the development of agriculture and the increase of peasants’ income. In this paper, the goal of social development is achieved through the continued commercial operation of microfinance. This innovation in poverty alleviation has great theoretical and practical significance for solving the “three rural issues” and narrowing the gap between the rich and the poor in our country. This article analyzes the current situation of rural microfinance in China and three major problems that exist, and puts forward improvement measures.