当前中小金融机构已经成为我国金融体系中不可替代、不可或缺的重要组成部分。在我国，中小金融机构对保持宏观经济的持续稳定增长、鼓励创新、稳定就业、增加税收等方面都发挥着极其重要的作用。但是通过解读中小金融机构运作模式内涵，发现了中小金融机构运作模式存在资产运营效率低下、人力资源管理机制不完善、市场定位不准确、分业经营制度抑制金融创新等问题。而导致这些问题的原因在于中小金融机构缺乏对内部控制的正确认识、缺少良好的外部环境、政府政策扶持力度小以及社会征信体系不完善等。因此，我们提出了完善中小金融机构金融法律法规、准确定位市场和客户、完善金融业统一的征信平台、加大政府支持力度等对策，希望能够促进我国中小金融机构的健康发展。%Small and medium-sized financial institutions has become the financial system of our country can not be replaced, the indispensable important component. In our country, small and medium-sized financial institutions play an extremely important role to maintain macroeconomic steady growth, encourage innovation, stable employment, raise taxes. But through the interpretation of the connotation of the small and medium-sized financial institutions operating mode, discovered the existence of small and medium-sized financial institutions operating mode assets operation efficiency is low, human resources management mechanism is imperfect, the market localization is not accurate, separate operation system restrain the financial innovation and so on. The reason of these problems lies in the lack of a correct understanding of internal control of small and medium-sized financial institutions, the lack of a good external environment, the government's policy support is insufficient, imperfect social credit system. As a result, we put forward countermeasures to perfect small and medium-sized financial institutions, financial markets and customers, perfect laws and regulations and exact financial unified credit reporting platform, strengthen government support, etc., hoping to promote the healthy development of small and medium-sized financial institutions in our country.
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