浅议创业企业的财务风险摘要：伴随着市场经济的发展以及就业形势的变化，近年来，有许多刚刚毕业的年轻人、海归人士都投入了创业的浪潮中。新三板的出台，让很多人都看到了创业的发展前景，都希望自己是下一匹黑马。但是随着一批又一批人的退出，许多人认识到了这个残酷的现实：创业是存在很大风险的。我国创业企业普遍存续时间较短，主要原因还是很多创业者对企业的财务风险认识不清，缺乏财务管理和应对风险的经验。本文简述了现阶段创业企业的财务风险，并表明了创业企业加强财务风险管理工作的必要性，对创业企业财务风险存在的问题进行了分析，也提出了一些解决思路。希望对创业企业加强财务风险管理发挥一些作用，延长我国创业企业存在的寿命。关键词：创业企业；财务风险；应对策略AbriefdiscussiononthefinancialrisksofentrepreneurialenterprisesAbstract：Withthedevelopmentofmarketeconomyandthechangeofemploymentsituation,inrecentyears,therearealotofyoungreturneeswhohavejustgraduatedwhohavejumpedontheentrepreneurialbandwagon.Theintroductionofthenewthirdboard,letalotofpeopleseetheprospectofstartingabusiness,theywishtheywerethenextblackhorse.Butasgroupsofpeoplequit,manypeoplerealizethiscruelreality:There'salotofriskinstartingabusiness.China'sstartupsgenerallyhaveashorterperiodofexistence,Themainreasonisthatmanyentrepreneursdonothaveaclearunderstandingofthefinancialrisksoftheenterprise,lackofexperienceinfinancialmanagementandriskmanagement.Thispaperbrieflydescribesthefinancialrisksofstart-upenterprisesatpresent,italsoshowsthenecessityofstrengtheningfinancialriskmanagementinstart-upenterprises,thispaperanalyzestheproblemsexistinginthefinancialriskofstart-upenterprisesandputsforwardsomesolutions.Ihopetoplayaroleinstrengtheningfinancialriskmanagementinstart-upenterprises,prolongingtheLifeofentrepreneurialenterprisesinChina.Keywords:Start-upenterprise;Financialrisk;Copingstrategy目录一、创业企业财务风险的概述.....................................................................................................1（一）创业企业的概述...............................................................................................................1（二）财务风险的概述.................................................................................................................2二、创业企业加强财务风险管理的必要性...................................................................................3（一）创业企业与成熟企业的财务管理目标不一致................................................................3（二）财务风险管理是创业企业生存和可持续发展的基础......................................................3三、创业企业财务风险存在的问题..............................................................................................4（一）创业者对于财务风险管理不重视....................................................................................4（二）不具备足够的财务知识...................................................................................................4（三）财务管理机制不健全.......................................................................................................4（四）融资困难...........................................................................................................................5（五）决策缺乏科学性...............................................................................................................5（六）收益分配不合理................................................................
