小额贷款公司成为银行等金融机构的有效补充,呈现了良好的发展势头。然而,在现实中也存在制约其可持续发展的因素,本文结合对赣州市小额贷款公司的调查,分析了由于法律定位与经营业务的不匹配造成了在监管上的困难,由于市场需求与可贷资金受限的矛盾制约了其盈利能力,由于业务性质与防控措施不配套导致了较大的经营风险等问题,并在此基础上给出了几点建议。 Microfinance companies have become effective supplements to financial institutions such as banks, showing a good momentum of development. However, in reality, there are also factors restricting its sustainable development. Based on the investigation of small loan companies in Ganzhou City, this paper analyzes the regulatory difficulties due to the mismatch between legal orientation and business operations. Due to the combination of market demand and Conflicts of loanable funds restrict its profitability, and the problems such as large operational risks due to the incompatible nature of business and prevention and control measures, and on this basis, gives some suggestions.