中文摘要：

小额贷款公司的设立为推动民间资金向金融资本转化，有效补充正规金融体系，改善农村金融服务及解决中小企业融资难问题提供了一条有效途径。然而，大部分小额贷款公司在放贷业务开展短短数月就面临着后续资金来源匮乏而难以持续运营的难题。分析小额贷款公司在运营中资金紧缺的表现，认为应拓宽资金渠道，控制内部风险，加大政府对小额贷款行业扶持力度等，以解决小额贷款公司资金紧缺的难题。

英文摘要：

The establishment of petty loan companies has provided an effective way in promoting the transtormatlon of private funds into financial capital, supplymenting the formal financial system effective/y, improving rural finan-cial services and solving the problems for financing SMEs. However, most of the petty loan companies are confront-ed with the problem that the follow-up source of operation funds can not be sustained after they conduct lending business in a few months. An analysis on the cash - strapped performance of petty loan companies suggests that fi-nancing channels should be broadened, internal risks should be controlled, and governmental support for the petty loan industry should be intensified so as to solve the fund shortage problems for petty loan companies.