小额信贷作为一种新型的金融方式，对发展中国家而言，是一种重要的缓解贫困、促进就业的有效手段。但目前，一方面，以农村信用社为主体的正规金融机构难以满足农户对资金的正常需求，从而促进了非正规金融的产生、繁荣和发展；另一方面，农村非正规金融的发展却受到政府的压制，大多数时间只能以“隐蔽”或“灰色”的方式推进。小额信贷的可持续发展成为亟待解决的问题。 本文对我国农村小额信贷的现状进行综述，并通过定性分析的方式予以评价。在此基础上，借鉴国外制度，对我国小额信贷的可持续性提出相应建议，从而提高其可持续发展的能力。

As a new financial means, microfinance, especially for developing country, has been an effective way to relieve the poverty and to obtain employment. However, on one hand, the Rural Credit Cooperatives take the principal part of rural formal finance, and it is difficult for them to meet the requirement for the general demands, which accelerates the emergence and development of rural informal finance. On the other hand, rural informal finance does not have a legal status to engage in financial operations. Consequently, the sustainable development problem of rural microfinance is an urgent subject to be solved in front of people. The front half of this thesis is the introduction of rural microfinance in China, and gives qualitative analyses. Based on the analyses and the comparisons with GB-mode, the other half gives some suggestions to enhance the ability of sustainable development.