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基于互联网金融环境的企业财务风险有效防范策略
1.简介
在世界金融危机的影响下，中国企业也面临着波动和潜在风险。在互联网经济发展的趋势下，中国互联网行业的投资规模和数量越来越大。 “互联网 ”使企业非常重视这一点。但是，随着商业模式的不断创新，中小企业的涌入使竞争加剧，互联网金融企业也难以抵御金融风险的入侵，因此不能保证自己的利益和生存。通过对企业财务运作和潜在财务风险的分析和评估，及时准确地发现企业在互联网金融环境中的财务漏洞，并提出相应的财务风险管理建议，对企业的财务风险管理者和投资者具有重要的意义。
2.1企业外部财务风险的类型
企业的外部环境是指影响企业发展的各种机会，例如融资渠道，销售路线等，或国家的宏观政策，激烈的市场竞争。根据风险的来源，以下几点具体：首先是融资风险，是指企业筹集资金难以支撑企业运营的困难。影响因素包括市场外部环境的变化以及资金的供求关系，例如再融资风险 ，财务杠杆效应，汇率风险等。如果企业在此资本链中崩溃，其后续的商业活动显然无法维持，这也意味着企业的信誉度不够强，因此很难得到合作者和求职者的青睐。
其次，操作风险。在筹集到一定数量的资金后，操作的稳健性是衡量企业能力的重要标准。在市场供求的影响下，企业的资金流动会发生一系列的波动。例如采购风险，生产风险，库存变现风险和应收账款变现风险。
第三，流动性风险，例如由于债务或资金返还而导致企业无法偿还或清算其自身债务，将导致现金无法清算该风险。
最后是投资风险。主要包括金融衍生工具风险，再投资风险，道德风险，违约风险，利率风险，通货膨胀风险等。
2.2企业内部财务风险的类型
在企业内部，运营商的决策在很大程度上决定着企业的发展趋势和最终利益。
因此，企业还存在融资风险，投资风险，流动性风险等，其中，流动性风险包括应收账款风险，现金收付风险等，此处不再赘述。
3.网络金融环境下企业金融风险的新问题
互联网环境下的金融活动面临着新兴的金融平台，例如电子商务银行，互联网银行平台，网络贷款平台，众筹平台和数字货币等形式。在一定程度上，这些电子金融服务提供了多种为企业的经济发展提供便利。但也存在很高的风险。
财务风险不断增强。互联网环境下的财务运作存在很大的不确定性，如果财务经理不具备专业素质和对业务的敏感度，也充满了各种虚假，浮动，虚拟的金融活动。互联网行业容易被欺骗和做出错误的决定，这将带来巨大的经济损失。此外，互联网环境中的金融活动难以在企业内部得到有效控制，企业的传统经营理念和管理方法与新时代的经济环境也有很大的不同，因此不确定性使企业的财务风险不断扩大。
法律风险继续飙升。在互联网金融环境下，企业缺乏完善的监管制度，而相关的国家法律政策尚未传播到各种商业活动中，导致金融违约风险逐渐增加。特别是对于一些没有门槛，没有标准，没有监督的小微企业，由于对金融市场缺乏强有力的监督，很容易陷入法律误解，引发一定的金融风险。
商业风险不断提高。由于互联网金融体系建设不规范，进入门槛低，漏洞多，导致互联网渠道被利用于网上欺诈，非法集资等频繁发生的事件。甚至有一些人依靠专业的信息技术来入侵他人的网络金融系统，以非法手段谋取暴利。
信息风险不断扩大。在互联网环境下，企业获得信息的途径越来越广泛，其中许多信息无法区分其真实性。而且，由于对互联网金融的监管不够，各种信息的真实性也越来越高。企业很容易泄漏出去，最终导致财务风险的扩大。
The effective prevention strategy of enterprise financial risk based on Internet financial environmente [1]
1. Introduction
1. Introduction Under the influence of the world financial crisis, Chinese enterprises are also faced with fluctuations and potential risks. In the trend of Internet economic development, the investment scale and quantity of Chinese internet industry is becoming larger and larger. The huge dividend brought about by the 'Internet 'makes enterprises attach great importance to this piece of cake. But with the continuous innovation of business model, the influx of small and micro enterprises makes the competition intensify, internet financial enterprises are also difficult to resist the invasion of financial risks, so their own interests and survival can not be guaranteed. Through the analysis and evaluation of the financial operation and the potential financial risks of enterprises, it is possible to find out the financial loopholes of enterprises in the Internet financial environment in a timely and accurate way. And put forward the corresponding financial risk management suggestions, which is of great significance to the financial risk managers and investors of enterprises.
2.1 Types of external financial risks of enterprises
The external environment of an enterprise refers to various opportunities that affect the development of an enterprise, such as financing channels, sales routes, etc., or the countrys macro policies, fierce market competition. Depending on the source of the risk, the following points are specific:
Firstly is the risk of financing, which refers to the difficulty for enterprises to raise funds that cansupport the operation of enterprises. The influencing factors include the change of the external environment of the market and the supply and demand of funds, such as refinancing risk, financial leverage effect, exchange rate risk and so on. If the enterprise breaks down in this capital chain, its subsequent commercial activities are clearly unable to sustain, which also means that the credibility of the enterprise is not strong enough, so it is difficult to get the favor of collaborators and job seekers.
Secondly, the operational risk. After raising a certain amount of funds, whether the operation is robust is an important criterion to measure the ability of enterprises. Under the influence of market supply and demand, the capital flow of enterprises will occur a series of fluctuations, such as procurement risk, production risk, inventory realization risk and accounts receivable realization risk.
Thirdly, liquidity risks, for example, the inability of an enterprise to pay or liquidate its own debt due to debt or the return of funds, will result in cash failure to liquidate the risk.
Finally, the investment risk. It mainly includes financial derivative instrument risk, reinvestment risk, moral hazard, default risk, interest rate risk, inflation risk and so on.
2.2 Types of internal financial risks of enterprises
Within the enterprise, the decision of the operator determines the development trend and ultimate benefit of the enterprise to a great extent.
Therefore, the enterprise also exists the financing risk, the investment risk, the liquidity risk and so on, among them, the liquidity risk includes the accounts receivable risk, the cash receipt and payment risk etc., here will not repeat.
3. New problems of enterprise financial risk in internet financial environment
Financial activities in the internet environment are faced with emerging financial platforms, such as e-commerce banks, internet banking platforms, network loan platforms, crowdfunding platforms and digital currencies and other forms. To a certain extent, these electronic financial services provide a variety of facilities for the economic development of enterprises. But there is also a very high risk.
Financial risk is constantly being strengthened. There is great uncertainty in the financial operation under the internet environment, which is also full of all kinds of false, floating, virtual financial activities, if the financial manager does not have professional quality and the sensitivity of the internet industry, it is easy to be deceived and make wrong
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