A small loan company is a limited liability or joint stock company established by individuals, corporate legal persons and other social organizations with the approval of the competent authority. It does not absorb public deposits and operates small loan business. In 2008, according to national policies, our province started the pilot work of small loan companies, financing. Small loans have formally entered people's lives. In terms of supervisory concepts, non-prudent supervisory concepts should be implemented. As financial institutions that do not accept public deposits, administrative intervention on them should be reduced, mainly using market-oriented means for behavioral constraints, focusing on preventing illegal fundraising, usury, violent debt collection and other behaviors that cause social risks. In terms of model innovation in supervisory work, a "multi-in-one" three-dimensional regulatory model should be adopted, namely government regulatory authorities' supervision, industry self-discipline, cooperative banks assisting supervision, introducing intermediary agencies supervision, social supervision, information-based supervision, etc. In terms of operating models, small loan companies should be guided to reduce operating costs and increase operating benefits based on their own operating characteristics. The operating models of small loan companies include block model, supply chain model, trade model, agricultural model, chamber of commerce model, etc. The block model is that small loan companies are located in blocks with more individual businesses, mainly serving customers nearby. The supply chain model provides loan services to downstream suppliers of major shareholders of small loan companies. The trade model mainly serves the stall owners in the trade market. The agricultural model is that small loan companies located in counties provide credit services to farmers and breeders in rural areas. The chamber of commerce model is that some members of the chamber of commerce contribute to establish a small loan company, mainly serving member units. Problems and policy recommendations in the development of small loan companies: The pilot work of small loan companies has just been three years, there are still some policy obstacles in the development of the industry. One is the nature of small loan companies. Currently, small loan companies are not defined as financial institutions, but as industrial and commercial enterprises, which brings a lot of difficulties to small loan companies in subsequent capital replenishment, mortgage registration, tax and fee reduction. Two is the problem of subsequent capital replenishment. In view of the above problems, the following policy recommendations are put forward: the proportion limit of small loan companies borrowing from banks should be relaxed, and banking institutions may increase the loan proportion to 200% according to the risk status of small loan companies. The state should give small loan companies tax preferential policies for agricultural financial institutions. This article is from Xunrong Network http://www.xunro.com, please indicate the source when reprinting!