企业财务风险预警与防范研究

论文总字数：19863字

摘 要

持续发展的市场经济加剧了企业面临的市场竞争，企业所处的财务环境也变得更加复杂，企业很可能因为风险管理不到位而陷入财务危机，从而给企业的日常经营活动带来威胁。因此，企业必须提高自身财务风险管理水平，增强抵御风险的能力。财务风险预警是指企业在财务危机的苗头出现时就发出预警信号，敦促企业采取措施加以防范的风险管理手段。本课题应基于经济新常态这一背景，梳理财务风险的内容及其影响因素，在分析企业财务风险预警和防范的现状及存在不足的基础上，尝试构建企业财务风险预警与防范的机制，并提出具体的措施。

本文首先介绍了企业财务风险的研究背景；其次，梳理了国内外关于财务风险预警的相关文献，了解相关理论发展历史；然后，对相关概念进行阐述，分析财务风险的成因，尝试建立风险预警系统并提出具体防范措施；最后，选取南京银行为例，分析其财务状况，了解影响其财务状况的主要因素，运用相关财务指标分别对银行偿债能力、盈利能力等进行定量分析，因素与定量分析相结合，对银行财务风险做出综合评价进而提出改善银行财务状况的相应对策。

关键词：财务风险；财务风险预警；财务风险防范

Research on enterprise financial risk early warning and Prevention

Abstract

Enterprises are facing the market competition is intensified by the continued development of the market economy, the financial environment of the enterprise has become more complicated, the enterprise is likely because risk management is not in place and in the financial crisis and to the daily management of enterprises pose a threat. Therefore, enterprises must improve their own financial risk management level, enhance the ability to resist risks. Advance warning of financial risk is refers to the enterprise in the signs of the financial crisis, issued a warning signal, urge the enterprises to take measures for their prevention measures of risk management. This topic should according to the normal economic background, contents of combing the financial risk and its influence factors, the analysis enterprise financial risk early warning and prevention of the current situation and existing problems based on, try to establishing the mechanism of enterprise financial risk early warning and prevention, and puts forward the specific measures.

This paper first introduces the research background of enterprise financial risk; secondly, summarizes the domestic and foreign financial risk warning on the relevant literature, understand the development history of the theory; then, the related concepts are described, analysis of the causes of financial risk, try to establish a risk warning system and propose specific preventive measures; finally, select the Nanjing bank as an example analysis of the financial situation, understand the main factors affecting the financial situation, related to the use of financial indicators to make quantitative analysis of Bank Solvency, profitability, factor analysis and quantitative combination, make a comprehensive evaluation of the bank financial risk and put forward some countermeasures to improve the bank"s financial situation.

Keywords: Financial Risk; Financial Risk Early Warning; Financial Risk Prevention

目 录

摘 要 I

Abstract II

第一章 绪 论 1

1.1 研究背景 1

1.2 研究目的与意义 1

1.2.1 研究目的 1

1.2.2 研究意义 1

1.3 研究思路与内容 1

1.3.1 研究思路 1

1.3.2 研究的主要内容 1

第二章 文献综述 2

2.1 国外研究现状 2

2.2 国内研究现状 2

2.3 国内外研究述评 3

第三章 相关理论概述 4

3.1 财务风险 4

3.1.1 财务风险的概念 4

3.1.2 财务风险的特点 4

3.1.3 财务风险的分类 4

3.1.4 财务风险的影响因素 5

3.1.5 财务风险产生的原因 5

3.2 财务风险预警与防范 6

3.2.1 财务风险预警与防范的概念 6

3.2.2 财务预警系统功能 6

第四章 企业财务风险预警与防范机制的构建及具体措施 7

4.1 财务风险的识别 7

4.2 企业财务风险预警与防范的具体方案与措施 7

4.2.1 建立财务风险预警体系 7

4.2.2 财务风险防范措施 8

4.3 小结 9

第五章 个案分析 10

5.1 南京银行财务风险 10

5.1.1 南京银行简介 10

5.1.2 南京银行财务风险的主要表现形式 10

5.1.3 南京银行财务风险的主要成因分析 11

5.2 南京银行财务风险控制方案的效果分析 11

5.2.1 南京银行财务概况 11

5.2.2 南京银行财务预警与防范措施及经验总结 13

总 结 15

致 谢 16

参考文献 17

第一章 绪 论

1.1 研究背景

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