小额贷款公司在聚集民间资金、服务小企业、“三农”和地方经济发展方面正发挥积极作用,成为金融支持经济发展的一个有益补充。但小额贷款公司作为新生事物,其成立的时间还比较短,还没有规范的管理模式和既有的发展经验可以借鉴,在发展的过程中也出现了各种问题和困难。本文阐述了小额贷款公司的概念,发展情况和兴起的意义,分析了其存在的风险并提出解决问题的对策,以促进改革小额贷款公司更有效更快速的发展。 Microfinance companies are playing an active role in gathering non-governmental funds, serving small businesses, “rural areas and farmers” and local economic development, and have become a useful complement to the financial support for economic development. However, as a new-born thing, the establishment of microfinance company is still relatively short. Without standardized management mode and existing development experience, it can learn from it. Various problems and difficulties have also appeared in the process of development. This article elaborates the concept, development and significance of small loan companies, analyzes their risks and puts forward countermeasures to solve the problems so as to promote the reform of microfinance companies more effectively and rapidly.