Research On Financing Risk Management Of Small And Micro Enterprises

Small and micro enterprises occupy a decisive position in my country's existing market economy,but the "difficult financing" situation of small and micro enterprises is already an indisputable fact.The current research on the financing risk of this group has both micro and macro levels.At the micro level,the financing situation and risks of this group are affected by many factors such as its profitability,capital structure,solvency,future development,etc.At the macro level,it is mainly from the country's macro policies,small and micro The company's overall situation and operation management status and other aspects of its financing risk research.Analysis of these or macro or micro impact factors can not only allow small and micro enterprises to freely control and prevent their own business risks,but also provide theoretical help for governments and financial institutions to support small and micro enterprises.However,most of the existing theories analyze from the macro perspective,and there is not much academic research on how to identify and control the financing risk of small and micro enterprises at the micro level.Therefore,the author believes that in-depth analysis and research on the financing risk identification and control of small and micro enterprises from a specific micro level,and make full use of related research methods.This article analyzes from the following five parts.The first part is an introduction.In this part,the actual situation of the case and the significance and background of this study are fully explained.The research results of financing risk assessment and financing risk warning are sorted out,and the research ideas and methods of this paper are introduced.The second part is a theoretical overview of the financing risk of small and micro enterprises.The focus of this part is to introduce the theoretical knowledge of financing risk involved in this article,including the concept and type of financing risk,and the situation of financing risk in small and micro enterprises.,Management and prevention of financing risks,etc.The content of the third part focuses on explaining the financing risk of Company A as a typical case.After a brief description of the basic operation of Company A,the focus is on the specific types of risks,causes and financing of Company A's financing process.The risk assessment is introduced,and the actual situation about the financing risk management of Company A is finally obtained.The fourth part focuses on the analysis of the causes of Company A's financing risk management,and concludes that Company A ' s financing risks are due to poor identification capabilities,insufficient management concepts,policy systems that do notfollow scientific laws,and inadequate early warning mechanisms.And other reasons.The fifth part is the conclusion and enlightenment.Aiming at the problems in the financing risk management of small and micro enterprises A company,it puts forward relevant suggestions for the financing risk management of small and micro enterprises,and provides relevant enterprises with reference experience.This article mainly adopts literature research method and case study method for analysis.Identify the risk sources,risk events and risk incentives of Company A's financing risk through financial data analysis,and use the coefficient data of Company A's financial data as sample data to fully use the efficiency coefficient method to realize the assessment of its financing risk.The final conclusion is that the financing risks of Company A in the past three years are not optimistic,and the financing situation has continued to deteriorate.On the basis of this conclusion,the author points out that loopholes and problems in the company's internal financing risk management are the reasons for these problems,and finally puts forward a solution policy and its development prospect that can get rid of the current dilemma.