中小企业筹资风险与对策分析[摘要]从企业创始初期看，中小企业的筹资方面是中小企业财务管理中非常重要的环节，由此应运而生的就是中小企业筹资时候的筹资风险问题。需要直视筹资风险，全面分析产生的原因，不断加强识别、预测和管理，采取一定的科学有效的措施来规避筹资风险，从而提高我国中小企业对筹资风险精准控制的水平。本文探析了一些中小企业的筹资现状和风险，从不同的筹资风险角度出发，对风险内在的原因及其来源进行了深度分析，并就风险管理的防范给出了建议，提出了一些相对来讲对中小企业进行筹资颇具裨益的对策。[关键词]中小企业；筹资风险；风险规避AnalysisonFinancingRisksandCountermeasuresofSmallandMedium-sizedEnterprises[Abstract]Fromthebeginningofthefoundingofenterprises,smallandmediumenterprisesinthefinancingofSMEsisaveryimportantpartoffinancialmanagement,whichcameintobeingisthefinancingofSMEswhenfinancingrisk.SMEsshouldfaceuptotheriskoffinancing,analyzetheircauses,strengthentheidentification,forecastandmanagement,takescientificandeffectivemeasurestoavoidtheriskoffinancing,andthenimprovetheleveloffinancingriskmanagementofSMEsinChina.Thispaperexploresthecurrentsituationandriskoffinancingofsomesmallandmedium-sizedenterprises.Fromthepointofviewofdifferentfinancingrisks,thispaperanalyzesthecausesandsourcesofrisk,andgivessomesuggestionsonthepreventionofriskmanagement.Thebenefitofsmallandmediumenterprises.[Keywords]Smallandmediumenterprises;financingrisk;riskaversionII正文目录正文目录..............................................................................................................1前言......................................................................................................................1一、中小企业发展背景.................................................................................1二、中小企业的筹资现状及困境简述..........................................................2（一）外部因素..........................................................................................31.政策因素...........................................................................................32.金融因素...........................................................................................33.信用因素...........................................................................................3（二）内部因素..........................................................................................31.管理水平低下..................................................................................42.人才流失严重...................................................................................43.守信激励制度欠缺...........................................................................5三、改善筹资现状的六点建议......................................................................5（一）建立健全法律法规..........................................................................5（二）深化金融体制改革..........................................................................5（三）发挥信用监管作用..........................................................................6（四）不断加强管理水平..........................................................................6（五）引进高级管理人才..........................................................................7（六）营造守信激励氛围..........................................................................8四、结束语..................................
