浅析我国中小企业融资风险管理

Analysis on Risk Management of Small and Medium- sized Enterprises' Financing

融资对于一个企业是至关重要的,是企业投资经营的起点。但是融资必然伴随着各种不同层次的风险。本文通过阐述中小企业融资风险管理现状,认为我国中小企业融资风险管理存在的问题主要有技术基础薄弱,风险管理手段落后,政策法规不完备,审批管理程序烦琐等,针对这些问题提出了优化融资风险管理、完善国家政策、加强立法、完善金融体制改革、进一步开放金融保险市场等解决措施。

Financing is the starting point for business investment, which is very important for an enterprise. But financing is bound to be accompanied by a variety of different levels of risk. This paper described the financing and risk management situation of small and medium-sized enterprises. Through analyzing, we believe that problems are mainly lie in weak technological foundation, backward risk management methods, inadequate policies and regulations and cumbersome approval procedures. The paper puts forward countermeasures such as optimizing financing risk management, strengthening national policies and legislation, improving the financial system, further opening up the insurance market.