Research On Financing Risk Forewarning System For Small And Medium-sized Enterprise

With the further development of market economy, Small and medium-sized enterprises play more and more important roles in the market, but at the same time, they also face with serious problems. Usually these problems shorten the survival periods of small and medium-sized enterprises. There are much reasons for these problems, among them, the financing problem, especially the big financing risk of small and medium-sized enterprises is most important. So enterprises must pay more attention to the forewarning system of financing risk in small and medium-sized enterprises.The paper expatiates on the financing risk forewarning system of small and medium-sized enterprises. The primary aim of the research is to analyze the financing status quo, find out the structure of small and medium-sized enterprises financing risk, and then further construct the financing risk forewarning system which matches the characters of our small and medium-sized enterprises. The paper adopt the method of canonical research, on one hand it research for the normal theory of financial forewarning system, and then combine it with the theory of enterprise survival periods and the characters of our small and medium-sized enterprises;on the other hand it combines the qualitative research with the quantificational research;according to the research above at last the paper constructs the financing risk forewarning system and make a example to prove the standpoint. All of the research above makes the standpoint of the paper become more precise.The paper starts with the research of the develop status quo of small and medium-sized enterprises in our country, then it analyses the status of small and medium-sized enterprises in our country, and point out why it is difficult for the small and medium-sized companies in our country to solve the financing problems, furthermore, analyses the form, sorts and factors of the financing risk. After the basic analysis, the paper expatiate on the fmancing risk forewarning system, including the concepts , the principles, the characters and the frame of the financing risk forewarning system of small and medium-sized enterprises. It can be divided to three part, one is the part of qualitative research, the function of it is to distinguish from the sign of the financing crisis, the other one is the part of quantificational research,namely the system of ratio estimate, the last one is to expatiate on the defensive and solving measures. The innovation of the paper is the financing risk forewarning system that the author constructs matches the characters of the small and medium-sized enterprises in our country. Firstly, considering the cost problem, the operation of this system is easy and understandable. Secondly, in the ratio estimate system, the author chooses the most representative and sensitive ratio to estimate the financial status of the enterprises, and divide the ratio into four part: the ability of payments the ability of develop > the ability of use and financial structure. At last, in the paper the author add the theory of enterprise survival periods to the financing risk forewarning system, and divide the ratio estimate system into three part: the period of carve ouU the period of developing > the period of maturity. It makes the system become more adaptable. Certainly, because it is difficult to get comprehensive data, and the little research in this field, there is still limitation in the paper that should be researched.