中小企业防范财务风险的调查与建议 .docVIP

PAGE 1 中小企业防范财务风险的调查与建议 摘 要：随着国家经济的不断发展，中小企业在中国企业中的比率在上升，其在经济发展中的重要性也在增加。所有的中小企业都在企业中存在着常见的日常金融风险，一个公司的任何财务活动都有客观的财务风险。中小企业之间的竞争力也不容小觑，其中财务风险的存在则是制约企业发展的重要原因，所以，如何防范中小企业财务风险、规避风险、建立并逐渐完善企业防御风险机制便是企业是否能持续发展的重要内容。本文就财务风险的内部和外部原因进行了研究分析，提出了预防这些风险的建议。企业在运营过程中应进行科学投资、提高企业风险意识、建立企业内部风险评估机制、加强企业经营管理、提升财务人员的水平等，从财务风险的各主要环节进行防范和控制，将企业损失最小化，为企业创造利益最大化。 关键词：中小企业；防范； 财务风险 Investigation and Suggestions on preventing financial risks of small and medium-sized enterprises Abstract: With the continuous development of the national economy, the proportion of small and medium enterprises in Chinese enterprises increases and their importance in economic development also increases. All SMEs have common daily financial risks in companies and any financial activity of a company involves objective financial risks. The competitiveness of SMEs should not be underestimated. The existence of financial risks is an important reason to restrict the development of businesses. Therefore, how to prevent the financial risks of SMEs, avoid the risks and gradually establish and improve the business defense risk mechanisms is whether companies can Content important for sustainable development. This article studies and analyzes the internal and external causes of financial risks and makes suggestions to prevent these risks. During operation, companies should invest in science, raise awareness of business risks, establish an internal business risk assessment mechanism, strengthen the management of business operations, and improve the level of financial personnel, etc., to prevent and control the main links of financial risk and minimize business losses Maximize corporate profits.Key words: small and medium-sized enterprises;Prevention;Financial risk PAGE 12 引言 在中国改革开放的进程中，中小企业蓬勃发展，伴随着国民经济的快速发展，中小企业对我们国家的国民经济和社会发展的重要性日益提高。财政问题、内部控制系统缺陷、资金不足、缺乏专业财务管理人员等问题是每家中小企业都将会面临到的。使得企业会面临许多财务风险。由于每个中小企业的自身特点及其所面对的外界环境不同，我们将面临到各种不同的财务风险。为了应对未知风险而引起的投资者收益减少甚至公司破产，我们将对其风险加以调查分析并提出建议。 1 财务风险的含义