摘要：自改革开放以来，我国的经济发展得到了巨大的提升，在此期间，我国实力雄厚的民营企业扮演着必不可少的角色，为推动我国的经济建设做出了卓越的贡献。民营企业在一定程度上缓解了就业压力，提供了就业岗位，创造税收，以及促进了经济发展。随着市场竞争日益激烈，企业之间的竞争也是日趋激烈，想要在市场中立于不败之地，增加自身的综合竞争力，就需要资金的支持，而仅仅依靠企业自有的资金是无法支撑企业正常发展的，所以融资成为企业获得资金来源的主要方式。有了资金的支持，企业才能进行正常的生产活动，提高经济效益。尽管民营企业是推动我国发展的重要力量，但也不是一帆风顺的，也存在着些许的不足和缺陷。由于民营企业外部环境受到多方面因素的影响，导致许多民营企业的存在着一定的融资风险，处于瓶颈。因此如何对民营企业融资风险进行有效地度量并在此基础上制定一系列的防范措施就显得尤为重要。
本文首先界定了民营企业的定义，对融资以及融资风险的相关理论进行了综述。其次，在研究融资风险中，阐述了民营企业融资风险的情况，对融资风险进行了一定的分析。然后选取苏宁易购作为案列，通过对苏宁易购自身经营发展状况、融资概况和财务报告等具体问题进行具体分析，发现苏宁易购融资风险所存在的问题，最后向苏宁易购提出了针对性的应对思路与防范对策。

关键词：民营企业；融资风险;防范措施;苏宁易购

Financing Risk and Preventive Measures for PrivateEnterprises —— Taking SUNING as an Example

Abstract:Since the reform and opening up, China's economic development has been greatly improved.During this period, China's strong private enterprises playan essential role in promoting China's economic construction.To a certain extent, private enterprises alleviate the pressure of employment, provide jobs, create taxes, and promote economic development. With the increasingly fierce market competition,the competition between enterprises is also increasingly fierce. If you want to be invincible in the market and increase your own comprehensive competitiveness, you need the support of funds,and only relying on the enterprise's own funds can not support the normal development of enterprises, so financing has become the main way for enterprises to obtain the source of funds.With the support of funds,enterprises can carry out normal production activities and improve economic benefits.Although private enterprises are an important force to promote China's economic development, but it is not plain sailing, there are also some shortcomings and defects.Due to the influence of many factors on the external environment of private enterprises, many private enterprises have financing risks and are in a bottleneck.Therefore, how to effectively measure the financing risk of private enterprises and formulate a series of preventive measures on this basis is particularly important.
This paper first defines the definition of private enterprises,and summarizes the related theories of financing and financing risk.Secondly, in the study of financing risk,this paper expounds the financing risk of private enterprises, and analyzes the financing risk.Then select SUNING as the case list,through the specific analysis of SUNING's own business development, financing situation and financial report, find out the problems existing in SUNING financing risk, and finally put forward the targeted countermeasures and countermeasures to SUNING.

Key words:private enterprise; financing risk; preventive measures; SUNING


目录

摘要................................................................I

Abstract...........................................................II

一、绪论............................................................1

（一）研究背景与研究意义............................................1

1.研究背景..........................................................1

2.研究意义..........................................................1

（二）国内外研究综述................................................2

1.国外文献综述......................................................2

2.国内文献综述......................................................3

3.相关文献综述评述..................................................4

（三）研究内容与研究方法............................................4

1.研究内容..........................................................4

2.研究方法..........................................................5

3.创新点............................................................5

二、融资风险相关理论概述............................................5

（一）民营企业的界定................................................5

1.民营企业的定义....................................................5

（二）融资的相关概念................................................5

1.融资的概念 .......................................................5

2.融资的分类........................................................6

（三）融资风险......................................................6

1.融资风险的概念....................................................7

2.融资风险的类型....................................................7

3.融资风险的成因....................................................7

三、我国民营企业融资风险现状及成因分析..............................8

（一）民营企业融资的现状............................................8

1.融资渠道有限，融资的成本偏高......................................8

2.融资模式不合理....................................................8

3.缺乏有效的融资机制，融资结构不合理................................8

4.融资风险预警机制不到位............................................9

（二）民营企业融资风险成因分析......................................9

1.融资资金需求方引起的融资风险.....................................10

2.融资资金供给方引发的融资风险.....................................10

3.其他因素引发的融资风险...........................................11

四、苏宁易购融资风险现状分析.......................................11

（一）苏宁易购融资现状及融资风险的表现形式.........................11

1.企业的概况及发展情况.............................................11

2.企业的融资结构...................................................12

（二）企业的融资风险分析...........................................12

1.债券融资风险分析.................................................12

2.股权融资风险分析.................................................13

（三）苏宁易购融资风险防范措施的建议...............................14

1.实现融资渠道多元化...............................................14

2.提高企业融资风险防范意识.........................................14

3.优化企业债务融资结构............................................14

4.完善企业内部控制................................................14

五、完善民营企业融资风险防范对策..................................14

（一）拓宽多元化融资渠道..........................................15

（二）考虑实际情况，选择合适的融资模式............................15

（三）调整融资结构，提高风险规避水平..............................15

（四）改善融资风险预警系统........................................15

六、结论与展望....................................................15

参考文献..........................................................16

致 谢.............................................................18