毕业设计(论文)
课题: 关于融鑫寄卖行财务风险成因及对策的调查报告
专 业 会计电算化 班级 08会计三班
学生姓名 田甜 学生学号 40
指导教师 赵凤军
提交日期 20##-3 成绩
答辩日期 答辩成绩
答辩教师
总评成绩
内容摘要
改革开放三十年来,我国经济发展保持着持续稳定增长的态势。但是在繁荣发展的背后,我们应该看到,有很多企业陷入了高投入、高负债、高风险、低效益的怪圈,形成了经济增长速度和经济运行质量下降的反差。施工企业也不例外,由于建筑施工市场的不规范和各企业竞争日趋激烈,使得这类企业出现经营资金不足、资产负债率过高、债务负担沉重、盈利能力下降等财务风险问题。因此,重视企业财务风险的管理、有效防范和控制财务风险是当前我国企业面临的重要课题。
本文以内蒙古包头市融鑫寄卖行为研究对象,首先对企业财务的风险、成因等相关理论进行了论述,然后从企业财务活动角度,分析了融鑫寄卖行面临的财务风险,继而对该公司面临的财务风险的成因进行研究,最后结合该公司实际情况,给出了防范和控制财务风险的一般对策。希望本研究能够帮助该企业逐步完善未来的财务管理工作,从根本上化解企业内部财务风险。
关键词:财务风险 风险成因 风险控制
目 录
一、公司概况················································1
二、调查内容················································1
(一)融鑫寄卖行面临的财务风险····························1
1.银行贷款风险···········································2
2.项目投资风险···········································2
3.应收账款风险···········································2
4.融资成本风险···········································3
三、融鑫寄卖行财务风险的成因·································3
1. 对银行贷款过于依赖····································4
2.财务环境的影响····················4
3.管理人员对财务风险的淡薄··············4
四、对财务风险的防范和对策·················5
(一)加强银行贷款管理·····································5
1. 贷款资金收益率必须高于贷款利率·························5
2.严格控制银行贷款规模和数量······························5
3. 优化银行贷款方案·······································5
4.拓宽融资渠道············································5
(二)加强应收账款回收清理工作·····························6
(三)培养经营者的风险意识·································6
(四)积极建立财务风险的防御机制···························7
第二篇:调研报告封皮
调 研
报 告(一)系部名称: 艺术设计系 专 业: 环境艺术专业 年 级: 10级环艺 班 学 号: 姓 名: 指导老师:
20xx年11月