金融企业财务风险管理问题研究-毕业论文.docx

PAGE I 本 科 毕 业 论 文 金融企业财务风险管理问题研究 摘 要 当前我国金融行业处在迈向信息化、国际化、标准化的转型时期，金融行业面临着经济新常态下新的财务风险，这与以往任何时期的财务风险相比都有着更广的扩散范度和更大的危害性。而作为金融行业微观主体的金融企业，若要在新形势下实现稳定和快速发展，将财务风险控制在一定范围内是必要的。 然而由于转型期金融企业内部矛盾的集聚和缺乏处理新问题的经验，使得许多企业在面对潜在的财务风险时无法给予足够的重视，不少企业管理层对此不以为然，这对金融企业财务稳定造成了很大的威胁。此外，由于金融行业在我国起步较晚，相关人才相对匮乏，一来容易造成财务风险管理不力，二来财务风险预防制度的建立缺乏充足的人才保障。在意识与人才问题得到充分解决后，更需要建立一套合理有效的风险管理机制，这是因为制度的存在能有效的规避财务风险并大幅降低风险管理成本，还可以推进企业的标准化进程。信息时代下，大数据与互联网也是企业不可忽视的管理手段，运用信息技术企业会更加精准便捷的处理财务风险，而不是仅仅停留在低效率阶段。 综上，本文立足于新形势下金融企业财务风险新特点，通过分析不同金融企业在经营管理中遇到的财务问题，提出合理建议，旨在对金融企业财务风险意识、相关人才培养、风险制度建立、跟进信息技术上有所帮助。 关键词： 金融企业；新形势；财务风险管理  Abstract At present, Chinas financial industry is in the transition period of informationization, internationalization and standardization. The financial industry is facing new financial risks under the new economic normal, which has a broader spread than the financial risks of any previous period. And greater harm. As a financial enterprise with a micro-subject of the financial industry, it is necessary to control financial risks within a certain range if it is to achieve stable and rapid development under the new situation. However, due to the agglomeration of internal contradictions in financial enterprises during the transition period and the lack of experience in dealing with new problems, many enterprises cannot pay enough attention to the potential financial risks. Many enterprise managements disagree, which is financial stability for financial enterprises. Caused a great threat. In addition, because the financial industry started late in China and the relative shortage of relevant talents, it is easy to cause financial risk management to be weak. Second, the establishment of financial risk prevention system lacks sufficient talent guarantee. After the awareness and talent issues are fully resolved, it is necessary to establish a reasonable and effective risk management mechanism. This is because the existence of the system can effectively avoid financial risks and greatly redu