The Shallow Exploration To Emergency Management Of SMEs’ Financial Risks

After World War Ⅱ, Third technological revolution has brought the rapid development of science and technology, and then brought the rapid development and rapid integration across all aspects of the world economy, politics, culture, etc. With the rapid economic development of modern society, the rules of operation and development of the world economy growing environmental change, Various social contradictions have become more prominent in the field of economic, and unexpected events have occurred frequency. Finance comes from the real economy. Financial markets are centralized point of various socio-economic contradictions. At the same time, Financial activities with a virtual, credit, high leverage and other characteristic. So, financial risk is an objective reality, which triggers a series of events gradually into public view, the growing number of increasingly complex and incentives. The instability in the financial markets will lead to financial emergencies. Emergencies can easily translate into financial risks. Financial risk aggregation to a certain extent will lead to financial crisis, which will bring instability and social unrest and political. "The Black Monday", The Asian financial crisis in 1998 and the worldwide financial crisis and The Early domestic crisis-Hainan Development Bank make people aware of the urgency and the need for effective financial risk prevention and response. Since China’s reform and opening up three decades, construction and reform of the financial sector of the economy has made remarkable achievements. But there is some financial environment of instability, the main manifestations are:Capital adequacy ratio is low long-term, the number of cases of illegal fund-raising are increasing, local financial regulatory system is not perfect, the phenomenon of Funding strand of enterprise are breaking frequently, etc. Therefore, for the purposes of our government, establishing and improving China’s financial risk from the emergency management system is imminent. Since the reform and opening up, SMEs in China in particular, are the strong momentum of development of small and micro enterprises. SMEs greatly boost the economic growth. But under the pressure of economic downturn, SMEs still have problems of poor financing environment, weakening external demand and a heavier tax burden. Lacking of funds, financing nowhere is the main financial risk for SMEs in the business development process to be undertaken. Currently, there are many theorists at home and abroad for emergency management of Public emergencies. But there is not much financial risk of emergency management against financial risk, especially for SMEs. According to National Public Emergencies overall contingency plan now, financial risks are not singled out from specific categories of emergencies, which are not explicitly assigned to which category neither. But in reality temporarily they are included in social security incident response process to be. This paper takes small and micro enterprises in Nanjing Emergency Mutual funds for example. The author takes the case study approach, and explores Emergency Management of SMEs’Financial Risks Preliminary. The author discusses the necessity of the emergency management of financial risk mainly through literature, search data, gather information, summarizing methods, it also discusses the theoretical circles at home and abroad for financial risk theory, the theory of emergency management and emergency financial risk management theory research. Then it analyzes the status quo of financial risk, emergency management and the connotation of the financial risks of Emergency Management further, and then describes the operating status of SMEs under downward pressure on the national economy as well as the risk of a chain reaction of SME financial reasons, the results constitute Stimulated by. The author analyzes the current situation of SMEs financial risk emergency management, problems and reasons, and describes the situation of the economic downturn Nanjing and Nanjing is not optimistic about business conditions for SMEs by collecting large amounts of data. Next the author leads to the case of this paper-the Emergency Mutual Fund for Small and Micro Enterprises in Nanjing, and then takes a detailed description and analysis of the development of its establishment, the main function, organizational structure, work network, operational processes, risk management, operation, etc. According to the above discussion and analysis, the author Comes to the following conclusions: Government departments at all levels should further improve the emergency management system, and actively explore the SME financial risk and emergency management policy tools to promote the strengthening of SME financial sources of risk governance, then they can timely control and actively cope SME financial risks.