中小企业财务风险预警及建议.docVIP

第 第 PAGE \* Arabic 18页共18页 摘要 中小企业在国民经济体系中占有重要组成部分，但是因为经营规模比较小，融资途径也是非常有限，相对于大型的企业而言，容易发生融资等财务风险问题。同时考虑到中小企业自身抗风险能力较低，缺乏足够的资金保障，这些都导致了我国中小企业的生命周期是相对较短的，每年都会有大量中小企业注册，同时也会有大量中小企业破产倒闭。故此，对于中小企业来讲，为了寻求实现长期发展，构建科学有效的财务风险分析是非常有必要的。 本文首先就国内外学者就该领域的研究成果进行了汇总整理，确定本文的研究思路与基本内容，根据财务风险预警的相关理论知识进行阐述，明确中小企业财务风险应当坚持的基本原则，结合案例企业就如何开展财务分析进行了预警，针对案例进行中小企业财务风险，并且结合案例企业的实际情况对Z数值模型的优势做出分析，最后，就中小企业在风险对策工作中应当注意的问题进行了说明。希望通过本文研究，能够增强中小企业的风险防范能力，以促进实现企业的更好发展。 关键词：风险预警 风险对策 Z数值模型 Research on Financial Risk Early Warning and Counter measure of Small and Medium-sized Enterprises Abstract Small and medium-sized enterprises (SMEs) play an important role in the national economic system, but because of their small scale of operation and limited financing channels, compared with large enterprises, they are prone to financial risks such as financing. At the same time, considering the small and medium-sized enterpriseslow anti-risk ability and lack of adequate financial security, all of these lead to the relatively short life cycle of small and medium-sized enterprises in China. Every year, a large number of small and medium-sized enterprises will register, and at the same time, a large number of small and medium-sized enterprises will go bankrupt. Therefore, for small and medium-sized enterprises, in order to achieve long-term development, it is necessary to build a scientific and effective financial risk analysis. Firstly, this paper summarizes and collates the research results of domestic and foreign scholars in this field. On this basis, this paper determines the research ideas and contents, explains the relevant theoretical knowledge of financial early warning, determines the basic principles that SMEs should adhere to in financial risk, and combines with case enterprises to carry out financial analysis to carry out early warning, and carries out case-based small and medium-sized enterprises. Financial risk, and combined with the actual situation of case enterprises, the advantages of Z n