Micro-credit companies are the result of financial innovation，their short-term and efficient running character inject activity into the rural financial market and provide a way for improving development of “three agriculture”.This paper focuses on micro-credit companies，conducts in-depth analysis on the background of setting up micro-credit companies and their existing problems.It explores paths to break through the bottleneck in the development of micro-credit companies，brings forward theoretical and practical reference for policy-making.