QUANTUM gravitational effects are usually ignored in calculations of the formation and evolution of black holes. The justification for this is that the radius of curvature of space-time outside the event horizon is very large compared to the Planck length (Għ/c3)1/2 ~ 10-33 cm, the length scale on which quantum fluctuations of the metric are expected to be of order unity. This means that the energy density of particles created by the gravitational field is small compared to the space-time curvature. Even though quantum effects may be small locally, they may still, however, add up to produce a significant effect over the lifetime of the Universe ~ 1017 s which is very long compared to the Planck time ~ 10-43 s. The purpose of this letter is to show that this indeed may be the case: it seems that any black hole will create and emit particles such as neutrinos or photons at just the rate that one would expect if the black hole was a body with a temperature of (κ/2π) (ħ/2k) ~ 10-6 (Msolar/M)K where κ is the surface gravity of the black hole1. As a black hole emits this thermal radiation one would expect it to lose mass. This in turn would increase the surface gravity and so increase the rate of emission. The black hole would therefore have a finite life of the order of 1071 (Msolar/M)-3 s. For a black hole of solar mass this is much longer than the age of the Universe. There might, however, be much smaller black holes which were formed by fluctuations in the early Universe2. Any such black hole of mass less than 1015 g would have evaporated by now. Near the end of its life the rate of emission would be very high and about 1030 erg would be released in the last 0.1 s. This is a fairly small explosion by astronomical standards but it is equivalent to about 1 million 1 Mton hydrogen bombs.