Research On The Innovation Mode And Risks Of Enterprise Financing Under The Background Of Interest Rate Marketization

Financing as a way of enterprise complement its cash flow is an important work of financial management. Due to corporate revenue, profit margin, net profit scale and future earnings of restriction, simple endogenous financing have been unable to meet the needs of enterprises to develop their business. And exogenous financing is the entire financial sector policy, system, mechanism, the influence of such factors as needed at any time to adjust the financing channels, financing way, so as to improve enterprise’s financing success rate, reduce the financing cost. At the same time, Banks and other finance institutions should also follow market policy, economic environmental and develop the new financial products to meet the demands of customers at the same time to raise their revenues.In our country, improve the macroeconomic regulation and control function, deepen the financial reform steadily promoting, interest rate marketization is an important content. Marketization of interest rate gradually makes the financing environment changed, the enterprise financing model is no longer limited to traditional credit loans, bonds, etc., and the innovative financing model has been developed gradually in our country.This paper studies two kinds of innovative financing tools: non-standard debt financing and asset securitization financing tools, offers a variety of financing structure for the enterprise, can increasing the earnings of banks, at the same time, to reduce the cost of financing for enterprises. Enterprise can according to your own business types and trade structure of the assets and liabilities structure choose the most suitable financing, pay attention to in the process of financing risk control and protection, reduce financial risk. Examples for Minmetals Development co.,LTD. In this paper, combined with the company’s operation situation, financial situation, the financing of its using the innovation of asset securitization financing mode are analyzed, at the same time in the innovation of financing model of risk prevention in the process of slow release corresponding measures are put forward. This paper expounds on the internal relations of enterprise financing and interest rate marketization, further explore the marketization of interest rate under the background of the necessity of enterprise financing pattern innovation, and puts forward two kinds of innovative financing tools, to the advantage of two kinds of innovation model and risk analysis, and innovating the mode of financing risk prevention and control measures are put forward and relevant Suggestions, to form the full text conclusion.