摘要：本文以小额贷款公司经营过程中可能存在的风险因素为分析对象，梳理小额贷款公司的发展历程及发展现状，总结现阶段小额贷款公司风险因素，分析其面临的风险的特殊性与成因，探求了一些有利于加强小额贷款公司风险管理的一些外部措施与内部措施。目前我国小额贷款公司主要面临的风险包括政策风险、操作风险、信用风险等，相较于银行等金融机构，小额贷款公司面临的风险具有集中的区域风险、突出的道德风险、软信息的信用数据等特殊性，这些风险不仅与借款人有关，还与小额贷款公司自身技术条件不成熟，还与法律法规等相关制度的不完善有关。而对于这些风险的防范是小额贷款公司长期经营下去的前提。本文提出了一些针对性的外部措施与内部措施，希望政府能够完善相关法律法规，制定相应的扶持政策以补偿小额信贷的高风险，小额贷款公司则应增强从业人员的专业技能，利用动态激励机制、“整借零还”等方法来降低风险，更好地为促进国民经济的发展发挥重要作用。
关健字：小额贷款公司 风险管理 信用风险 动态激励机制
Abstract:Possible risk factors in this paper, the petty loan company business process as the research object, combing the development history and present status of micro loan company, summed up the petty loan company risk factors at present, particularity and cause analysis of the risks they face, explores some measures is conducive to the strengthening of external and internal risk management measures of microfinance company. Risk at present our country microfinance company mainly faced including policy risk, operational risk, credit risk, compared with financial institutions such as banks, small loan companies are facing the risk of having a centralized regional risk, moral risk, soft information such as credit data particularity, these risks are not only related with the borrower, and the petty loan company's technical conditions are not ripe, related systems and laws and regulations relevant to the imperfect. And to guard against these risks is the premise of small loan companies continue to operate long-term. This paper puts forward some measures of external and internal measures, I hope the government can improve the relevant laws and regulations, formulate corresponding policies to compensate for high risk of microfinance, micro credit company should enhance staff expertise, using the dynamic incentive mechanism, "whole borrow" and other methods to reduce the risk of loans, better to play an important role in promoting the development of the national economy.
Key words：Micro-credit companies Loan risk Credit risks Dynamic incentive mechanism
