摘要：改革开放以来，我国经济的发展取得了不小的成就，但“三农”问题一直是西部地区经济发展迫切需要解决的问题。而且西部地区受各种因素的影响缺乏资金的支持，经济发展前景堪忧。为了促进西部农村地区的经济发展，为农民提供有效的资金支持，我国在1993年引进了小额信贷。本文首先介绍了小额信贷的思想概述，包括国内外的发展模式，接下来提出了西部农村小额信贷存在的问题，最后探讨的是小额信贷的对策研究。小额信贷作为一种金融创新在一定程度上弥补了传统商业银行的不足，对西部农村经济的发展起着不可忽视的作用。

关键词：西部农村，经济发展，小额信贷

ABSTRACT：Reform and opening-up, the economic development of China has made great achievement. But focus on the problem of "agriculture, rural areas and farmers" in the western regions has been a problem solved urgently in China's economic development. However, western region is affected by various factors and lack of money support, the development of rural economy is slow. For the sake of promoting the economic development of the western rural areas, and help farmers out of poverty to get rich, the microfinance was introduced in China in 1993. This paper first introduces the idea of microfinance overview, including the model of development at home and abroad，the following is the problems existing in the western rural microfinance, finally explores the countermeasure research of microfinance. As a kind of financial innovation, Microfinance makes up for the deficiency of the traditional commercial bank in a certain extent, and plays an important role in the development of western rural economy. 

Key Words: West countryside，Economic development ，Microfinance