摘要
   随着时代进入21世纪，中小企业面临的筹资风险随着新经济环境的变化向更广范围、更深层次的方向发展，在企业发展的同时企业筹资风险管理愈来愈成为企业财务管理的核心问题。中小企业筹资过程中蕴藏着巨大的风险，识别和评估中小企业筹资过程中面临的风险以及对筹资风险进行控制，成为解决中小企业筹资难问题的一个重要方面。通过对中小企业筹资现状的介绍，分析中小企业筹资风险的现状、类型及造成筹资风险外因和内因，提出中小企业筹资风险的具体防范措施。中小企业在国民经济的发展中的作用越来越重要，筹资风险又是影响中小企业快速发展的重要因素，因此，本文重点分析了现阶段中小企业筹资风险的现状及其成因，最后又从企业自身、金融机构和政府提出相应的措施来降低筹资风险，并提出一些防范措施，以此来提高我国中小企业的筹资风险管理水平。

【关键词】中小企业   筹资风险    筹资方式   资本结构    防范措施
Abstract

    As time into the 21st century, the small and medium-sized enterprise financing risk as the change of new economic environment to develop in the direction of wider, deeper, in the development of the enterprise and enterprise financing risk management becomes more and more become the core of enterprise financial management problems. The financing of mes in the process there is a huge risk, identification and assessment in the process of the small and medium-sized enterprise financing risk and financing risk control, to solve the small and medium-sized enterprise financing difficult is an important aspect of the problem. Through the introduction to small and medium-sized enterprise financing present situation, analyzes the present situation of small and medium-sized enterprise financing risk, financing risk types and the external cause and internal cause, the risk of small and medium-sized enterprise financing specific preventive measures are put forward. The role of small and medium-sized enterprises in the development of the national economy more and more important, funding risk is an important factor of rapid development of small and medium enterprises, as a result, this paper analyzes the small and medium-sized enterprises at the present situation and causes of  fund raising risk, then from the enterprise itself, financial institutions and the government put forward the corresponding measures to reduce the financing risk, and puts forward some preventive measures, in order to improve risk management levels in the financing of small and medium-sized enterprises in our country.

Key  words:  Small and medium-sized enterprise  financing way  capital structure   preventive measures

目   录
   前言   1
第1章 筹资风险的概述 2
 1.1 中小企业筹资风险的概述 2
    1.2.我国中小企业筹资的现状 2
1.2.1我国中小企业筹资的基本情况 2
1.2.3我国中小企业筹资的意义 2
 1.3 中小企业筹资风险的类型 3
1.3.1 现金性筹资风险 3
1.3.2 收入性筹资风险 3
    1.4中小企业筹资分析的基本分析 4
    1.4.1来自企业外部的筹资风险 5
   第2章 中小企业筹资风险存在的原因 6
 2.1 中小企业筹资风险存在的内部原因 6
    2.1.1企业的资本结构是否合理 6
    2.1.2企业对内部筹资和外部筹资的选择是否正确 6
    2.1.3 企业负债的利率及期限结构 6
    2.1.4 债权筹资的成本较高 6
    2.1.5 投资决策的影响 7
   2.2中小企业筹资风险存在的外部原因 7
    2.2..1金融市场风险 7
    2.2 .2企业的经营状况 7
    2.2.3资金的流动性和预期现金流入量 7
第3章 中小企业筹资风险的防范措施 8
3.1 优化企业资本结构 8
3. 2筹资方式的选择 8
      3.2.1 选好筹资方式 8
   3.3合理安排负债期限结构及长短期资金 8
   3.4有效防范利率的变动对筹资风险的影响 9
  3,4.1防范利率的变动对筹资风险的影响 9
   3.5完善企业管理结构，加强内部控制 9
  3.5.1树立正确的筹资风险观念 9
     3.5.2建立健全筹资风险预测及防范机制 9
     3.5.3做好资产管理工作，调整负债结构 10
   3.6科学决策，避免失误 10
结束语 11
致谢 12
参考文献 13