摘要：近些年来随着经济的发展，各个行业的公司发展迅速，为其提供金融服务的金融企业也从中获得了巨大的利润。但是随着民营经济的崛起，其对于资金的需求日益增长,其中最具代表性的是小微企业。2008年国家开放小额贷款行业，大量的小额贷款公司开始为小微企业提供贷款服务,这个行业仍然面临风险管理成本高，风险大的问题。所以本文针对这一问题，选取了小额贷款行业具有代表性的两家公司，阿里巴巴小额贷款公司和上海东虹桥小额贷款公司最为研究对象，研究数据挖掘技术在阿里巴巴公司的风险管理上的应用，同时比较研究东虹桥公司的风险管理，最终得出结论，进而在此研究基础上为东虹桥公司等国内小额贷款公司的发展提供一些帮助和思路，为小额贷款行业寻找到能够解决小微企业贷款时风险高、成本大的道路。

关键词：小微企业 风险管理 数据挖掘

Abstract: In recent years, with the development of economic, various sectors of the company develops fast. The financial company also derive huge profits. But with the rise of the private economy, its funding is growing, especially the micro company. In 2008, the government opened microfinance industry. A large number of small loans appears. They began to provide loan services for the micro company. But the problem is still there. Therefore, we solve the problem. We choose the microfinance industry representative companies, Alibaba and Shanghai East Hongqiao Company. We research the Data mining technology on Alibaba's risk management. We research the risk management. Compared with them, we have a solution. Based on it, we give East Hongqiao Company some advice to help some companies like it. They can solve the problem of the high risk and high cost.

Key words: micro enterprises  com  Risk management  data mining