内容摘要随着我国社会的发展和经济的发展，中小企业投资一直在国民经济的发展中起到关键的作用。特别是在过去的十年内，我国的经济持续发展，繁荣的背后则是有中小企业投资的财力支持，才使得市场经济进一步繁荣。但是，随着我国房地产行业的低迷情况，各大行业也出现了一定的经济放缓趋势，我国即将迎来新一轮的经济调整和深化改革，这也导致了很多跑路、失踪、自杀等事件的发生，可以说中小企业投资面临着前所未有的压力和信贷危机，如何避免、转移、规避这些危机迫在眉睫。中小企业投资在经营理念、经营模式、经营思路等各个地方上都保持着特殊性，中小企业投资风险具有差异性，如何做好发展中的中小企业投资风险管理，还需要进行进一步的研究与讨论。【关键词】中小企业；投资风险；风险防范[Abstract］Withthedevelopmentofsocietyandeconomy,smallandmedium-sizedenterpriseshaveplayedakeyroleinthedevelopmentofnationaleconomy.Especiallyinthepasttenyears,China'ssustainedeconomicdevelopment,behindtheprosperityofsmallandmediumenterprisestoinvestinfinancialsupport,sothatfurtherprosperityofthemarketeconomy.In2016thenumberofdomesticenterprisesmorethan5000million,ofwhichsmallandmedium-sizedenterprisesaccountedfor99%ofthetotalnumberofenterprises,madeagreatcontributiontothedomesticeconomy,Chinaaccountedformorethan60%ofGDP,morethan50%oftherevenue,andcreate80%ofurbanemploymentChinese.However,asChina'srealestateindustrydownturn,theindustryappearedeconomicslowdowntrend,Chinawillusherinanewroundofeconomicrestructuringanddeepeningreform,whichalsoledtoalotofrunaway,missing,Dutchactandotherevents,canbesaidthatthesmallandmedium-sizedenterpriseinvestmentfacingtounprecedentedpressureandcreditcrisisandhowtoavoid,transfer,avoidtheimminentcrisis.Thesmallandmedium-sizedenterpriseinvestmenttomaintainparticularityineverybusinessphilosophy,businessmodel,businessideasandotherplaces,thesmallandmedium-sizedenterpriseinvestmentriskisdifferent,howtodoagoodjobinthedevelopmentofsmallandmedium-sizedenterpriseinvestmentriskmanagementneedfurtherexploration.[Keywords]SMEs；InvestmentRisk；riskprevention目录一、中小企业投资风险概述..................................................1（一）中小企业的相关概念...............................................11.中小企业的概念...................................................12.中小企业的界定...................................................23.中小企业的特点...................................................2（二）风险及风险管理...................................................3二、中小企业投资风险特点分析..............................................4（一）风险源多.........................................................4（二）风险因素关联度高.................................................5（三）风险管理法律尚未健全.............................................5（四）转移风险方式特殊.................................................5三、中小企业投资风险管理成因分析..........................................6（一）企业方面的内部因素...............................................6（二）宏观环境下的因素.................................................8四、中小企业投资风险的防范措施............................................9（一）组织结构和规章制度构建...........................................9（二）引入风控体系，细化风险流程......................................10（三）完善风险管理体系，调整业务流程..................................11（四）完善内部监管体系，推行责任制....................................11（五）分析和掌握宏...
