摘要：小微企业对我国经济社会的发展起到了积极的作用，但是在为我国经济社会发展做出重大贡献的同时，融资难问题始终是阻碍小微企业顺利发展的绊脚石。为大力解决小微企业融资难问题，小额贷款公司应运而生。作为由私人资本控制的从事商业性信贷活动的微型金融组织，小额贷款公司能否始终坚持“小额、分散”的原则提供小额贷款，小额贷款公司能否真正惠及小微企业都是值得我们关注的问题。本课题选取上海松江星浩小额贷款有限公司作为研究对象，旨在研究小额贷款公司在服务小微企业过程中所起到的作用，发现小额贷款公司在运营过程中存在的问题、面临的困难。探寻问题所在并据此提出成功的小贷模式，对于促进我国小额贷款公司健康、规范的发展，有效发挥小额贷款公司的作用具有重要的现实意义。

关键词：小额贷款公司  小微企业  服务

Abstract：Micro and small enterprises play a positive role in our country’s economic and social development. While micro and small enterprises make significant contribution for China’s economic and social development, financing problem is a stumbling block to micro and small enterprises’ development. To solve the problem of financing of micro and small enterprises, micro-credit companies come into being. As micro financial organizations controlled by private capital which engage in commercial credit activities, whether micro-credit companies can always adhere to the principle of “small, decentralized” or not and whether they can truly benefit the micro and small enterprises or not are issues which we need pay attention to. This article selects Xin Hao micro-credit company as object and aims at studying the role which micro-credit companies play in micro and small enterprises and exploring the problems and difficulties existing in the operation of a micro-credit company. Exploring the problems and providing successful micro-credit model promotes healthy development of micro-credit companies and stimulates micro-credit companies to play their role in economy effectively.

Key words: micro-credit company  micro and small enterprise        service