摘要:小额贷款公司作为民间的金融机构，其借贷方便、形式灵活，在缓解中小企业、“三农”经济发展融资困难方面扮演了重要的角色。但我国的小额贷款公司目前处于发展的初级阶段，在经营的过程中存在着各种各样的风险。本文就广州市小额贷款公司的发展情况，介绍小额贷款公司发展的过程中存在的信用、操作、法律等风险；分析了这些风险产生的原因；提出了建立完善征信体系，加大政府政策扶持力度，加强立法，完善相关法律法规，建立科学的监管体系，强化风险机制，注重专业人才的培养等五项风险防范对策；最后预测广州市小额贷款公司的未来发展前景。

关键词: 小额贷款公司,风险管理,广州市

Abstract:As informal finance institutions, Micro-credit companies have the feature of borrowing convenient and flexible, which make them playing significant roles in alleviating the financing difficulties of small businesses and "three rural" economic development. But micro-credit companies in our country still at the primary stage of development, facing various hazards in their operations. This article is about the development stage of micro-credit companies in Guangzhou and introducing those credit, operation, legal risks in the process of firms development, and analyzed the factors causing risks and put forward the countermeasures, which include building personal credit checking system, increasing government policies, strengthen legislature, improve the legal system, developing a scientific governing system, strengthening the risk mechanism, focusing on the training of professionals, etc. Further, this article also fore-casted the development prospect of micro-credit firms in Guangzhou.

Key Words：Micro-credit companies, Risk Management, Guangzhou

广州市小额贷款公司是民间金融阳光化的一种制度的创新，其发展时间短、缺乏专业人才、政策法规不完善等因素导致小额贷款公司在发展的过程中面临诸多风险，但是，小额贷款公司在广东省内乃至全国范围内迅速发展起来，这体现其在资本融资市场有很大的需求。

    虽然如今政策上有些不利于小额贷款公司的发展，随着民营经济的复苏和发展，会给小额贷款公司提供充足的市场，完善相关法律制度，加强监管力度，提高风险防范意识，更好地促进广州市小额贷款公司可持续发展，使广州民间金融更加规范化，阳光化，把广州区域金融中心建设推向新的高度。