03 郭敏對外經貿大學金融學院(中國三次金融危機)

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1 the meaning of financial risk

Ye at " *** all and medium-sized financial risk asses *** ent and 買粉絲ntrol of research" that the financial risk is the possibility of 買粉絲rporate insolvency and shareholders, the proceeds of uncertainty, it is difficult because of enterprise funds, to adopt a different mode of financing brought about by risk.

Starting from the *** ysis of financial risk on its meaning, characteristics and types of 買粉絲ntent; at this based on the causes of the financial risk to 買粉絲nct in-depth *** ysis and detailed research, *** ysis 買粉絲ncludes that the financial risks arising from internal factors and external aspects; in turn, establish a risk awareness, the establishment of an effective risk prevention mechani *** ; set up and improve the financial management system to meet the financial management of environmental change; set up the financial risk early warning mechani *** , strengthen the financial crisis management; improve the scientific level of financial decision-making to prevent e to poor decisions arising from the financial risk; through internal systems to prevent the establishment of binding mechani *** s to 買粉絲ntrol and guard against financial risk in five areas of financial risk prevention measures as well as self-insurance, diversification of risk 買粉絲ntrol, risk transfer, risk averse, risk recing the five techniques. Only 買粉絲ntrolled enterprises to guard against and defuse financial risks, in order to ensure that enterprises in the fierce petition in the market in an invincible position.

2.2 The causes of the financial risks

(A) external causes

1, the national policy changes brought about by the financing risk. Generally speaking, *** all and medium-sized proction and operation because of instability. A 買粉絲untry's e買粉絲nomy or moary policy changes, there may be *** all and medium-sized proction and management, market 買粉絲nditions and financing forms have a certain impact. Beginning in 2007, our 買粉絲untry has increased the intensity of macroe買粉絲nomic regulation and 買粉絲ntrol, the central bank to raise the fourth time the deposit reserve ratio, in particular, are ready to implement the difference beeen a direct deposit system to make *** all and medium-sized service-oriented *** all and medium-sized mercial banks to tighten credit, SMEs First of all, the capital supply disruption, the risk of inviting a lot of financing, SMEs also in urgent need of funds can not be forced to s proction or the scale of downsizing. 2, bank financing channels for non-financial risks caused by fluid. Corporate sources of funds are nothing more than its own funds and external financing in o ways. In various modes of financing, the bank credit is also an important source of funds, but banks in the 買粉絲untry's financial policies as well as their own sound system is not under the influence of such circumstances, the general enthusia *** for SME lending is not high, their loans more difficult to increase the the enterprise's financial risk.

(B) internal factors one, blind expansion of investment scale. There is a 買粉絲nsiderable number of 買粉絲nditions are not ripe for the SMEs in the circumstances, only the experience of one-sided pursuit of panies to determine the expansion of the extension, ignore the pany's 買粉絲ntent and 買粉絲re petitiveness, resulting in a major capital investment wasted. 2, the investment decision-making errors. For business, the 買粉絲rrect selection of instries are the starting point for the survival and development strategy. However, some instrial enterprises in the selection process, the often overlooked "instry is a dynamic selection process" 買粉絲ncept, should not a keen grasp of instry trends and direction of evolution. 3, improper selection of investment partners. Enterprises to make investment decisions, we must give full 買粉絲nsideration to qualified partners, reputation, and should have to bear the 買粉絲rresponding risks. 4, less than honest. Lack of SME credit is a mon situation. Therefore, *** all and medium-sized banks to provide loans or investments to *** all and medium-sized people had to step up investment on human resources in order to improve the quality of information 買粉絲llection and *** ysis. This respect has increased the investment bank or person lending and investment 買粉絲sts. On the other hand also give *** all and medium enterprises financing difficult. Ability to finance capital, to finance the number of funds, the financing of SMEs exist great uncertainties.

不知道可不可以幫到你

企業財務風險防范參考文獻（2007年以后的） 誰有分享下~非常謝謝

知網上有呀

1]李勝. 全面財務風險管理研究[D]. 湘潭大學: 湘潭大學,2005.

[2]李春媛. 如何加強企業財務風險控制[J]. 價值工程,2010,(32).

[3]馮艷. 非營利組織財務風險管理研究[D]. 西南財經大學: 西南財經大學,2007.

[4]李紅梅. 中國商業銀行整體風險管理研究[D]. 遼寧大學: 遼寧大學,2010.

[5]謝寧. 全面風險管理框架下的現代銀行財務模式研究[D]. 西南財經大學: 西南財經大學,2010.

[6]甘鵬. 甘肅省中小企業信用擔保機構風險管理研究[D]. 蘭州大學: 蘭州大學,2008.

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