小额信贷的路径选择及法律规制

额信贷潜在利润丰厚，是各类商业银行和投资者追逐的新目标，同时地方政府也有浓厚兴趣。尽管发展小额信贷符合多方利益，但现实中小额信贷等新型金融组织面临多重法律困境。如何在民间金融法制化的轨道上健全小额信贷这类金融组织的相关法律法规？如何找到法律困境的出路？对这些问题的研究无疑将有助于我国小额信贷等新型金融组织的健康发展。

Legal Difficulty and Outlet of Small Line of Credit

With rich potential profits, small line of credit became the new target that various commercial banks and investors were chasing; meanwhile local governments also have taken great interests in it. Though small line of credit met the interests of multi aspects, but new financial organizations such as small and medium lines of credit met many legal difficulties in reality. How to perfect relevant laws and regulations for small line of credit in the orbit of civil finance legality？ How to find the legal outlets？ Doubdessly the research of this kind of questions will contribute to the healthy development of new finance organizations such as small lines of credit in our country.