Based on the national level of small loan company law system research and some provinces 'system comparison, this part is to look for how improve some of the legal system; The fourth part is foreign microfinance development experience and enlightenment. 通过对全国层面的小额贷款公司法律制度研究以及部分省市的制度比较,寻找法律制度中需要完善的部分;第四部分是国外小额贷款发展的经验和启示。