中小企业财务风险管理与措施摘要中小企业是国内经济改革的新生力量，发展迅速，目前己成为国内经济主要推动力和增长点。然而由于诸多原因致使其发展面临财务风险问题。如何规避财务风险成为摆在管理者面前一个现实而严峻的问题。文章主要依据财务管理和风险管理理论，运用经济学、统计学和投资学等理论知识，利用国内外现有研究成果，采用定性和定量相结合的分析方法，从界定中小企业财务风险的概念入手，剖析其存在的问题和成因，在对中小企业财务风险进行估测和分析的基础上，借鉴西方有关研究成果，建立财务风险的控制与决策体系，以及有效的激励与约束机制，为中小企业有效地防范财务风险提出了相应对策和建议。
关键词：中小企业；财务风险；决策体系
Financial Risk Management and Measures for SMEs
Abstract
Small and medium-sized enterprises are new force in economic reformation of our country，developing so fast，Now they have become the main increasing impetus and mounting point.But small and medium-sized enterprises have been facing a financial risk problem because of lots of reasons in development. Therefore，how to elude the financial risk has become a realistic and serious problem managers have to face.
This paper is based mainly on financial management and risk management theory，along with the knowledge of economics，statistics，investment and etc..On the base of using national and foreign research achievement in present，it utilizes the analyzing method of mixing of determining the nature and fixing quantify ration，staring with the concept of small and medium-sized enterprises financial risk，anatomizing problems and causes in small and medium-sized enterprises financial risk management.On the base of estimate and analysis to small and medium-sized enterprises’ financial risk，it uses the reseatch of financial risk control for reference in occident，building financial risk control and decision-making system，as well as effective incentive and restraint mechanism. It brings forward the corresponding countermeasure and advice in order to keep financial risk away for small and medium-sized enterprises in effort.
Key words: small and medium-sized enterprises；financial risk；deision-making system
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