Research On Financing Risk Management Of Private Enterprise

With the speeding up of economic globalization and the wide application of Internettechnology, the competition between enterprises becomes fierce increasingly. Thecompetition between the enterprises, regardless of size, products, sales channels, it needscapital supporting eventually. Only the enterprise get adequate finance, it can be able tocarry out normal production and business activities, it can be able to get more profit in thecompetition. Private enterprises made great contribution to promote China’s economicdevelopment and alleviate employment pressure. Financing problems has been plagued byprivate enterprises. Therefore, it is very necessary to take a research on the riskmanagement of private enterprises.It is different to judge and prevent financing risk for private companies by stand on adifferent research perspectives. Based on the perspective of private companies, thefinancing risk management of private company was selected as the research object, andcomparative analysis, empirical analysis, combining qualitative analysis and quantitativeanalysis method were applied to study relevant problems. On the basis of the theory of riskmanagement theory and financing management, we research on risk identification, analysis,evaluation and prevention.We identify the financing risk for private enterprise and get that the risks come fromreputation risk, operational risk, financial risk, management risk, industry risk andinvestment guarantee risk. Based on evolutionary game method, we analyze variousstakeholders on the bank lending behavior of private enterprises and get thatdecision-making related to the proportions of the joint default, impawn, bankingsupervision cost, joint default interest distribution, and loan interest rate. Based on thisanalysis, the private financing risk evaluation index system was constructed, the AnalyticHierarchy Process was applied to determinate the index weight, the Fuzzy ComprehensiveEvaluation Method was applied to evaluate. Finally, we put forward a set ofrecommendations measures for private companies to prevent financing risk.