Based on the analysis of different market positions and overlaps of business between micro-credit companies and commercial banks,this paper explores the possibility of the two types of institutions to develop natural cooperation relationship. After making a detailed analysis on the business relations between micro-credit companies and commercial banks, the study shows that they have not only the complementary relationship on horizontal business competition,but also the vertical relation-ship similar to the one between“wholesale”and“retail”. The paper sums up four obstacles on the bilateral cooperation and proposes relevant solutions. It provides the theoretical basis for the research on the cooperation mechanism of micro-credit com-panies and commercial banks.%文章从小额贷款公司和商业银行业务间不同定位与交叉，说明双方之间存在着天然合作关系的可能性。在详细分析了小额贷款公司与商业银行之间的业务关系后，表明双方之间不仅在横向业务竞争上存在互补关系，同时在纵向关系上也存在类似于“批发”和“零售”关系。分析总结了双方在合作上存在四个方面的问题，并提出相关解决方案，为研究小额贷款公司与商业银行之间的合作机制奠定理论基础。
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