Urgently help me find a literature review on financial risk management, about 1200 words 20

Current ratio, quick-freezing ratio, receivables, inventory, monetary funds (including wealth management products) can cover the working capital gap, short-term liabilities, long-term liabilities, debts due this year, and the company's financial risks are relatively small.

The profitability index analysis includes return on equity, earnings per share, interest income ratio, and cost-to-income ratio.

The analysis of safety indicators includes capital adequacy ratio, provision coverage ratio, non-performing loan ratio, and asset-liability ratio.

The analysis of liquidity indicators includes the loan-to-deposit ratio and the liquidity ratio.

The growth index analyzes the growth rate of main business income and the overall net profit rate.

**Sample:

In the current economic environment, especially since the beginning of this year, the impact of external macroeconomic fluctuations on enterprises is greater, China's economic growth trend will slow down in the short term, and the negative impact on enterprises will still be more obvious

1) The problem of enterprise financing difficulties has intensified.

In the specific operation process of financing, if the financing method is improper, the debt ratio is not controlled, and the equity income cannot meet expectations, it is very likely to cause the financial risk of the enterprise. Especially in the current economic environment, the bank credit policy has further contracted, the corporate financing through the loan threshold restrictions continue to increase, the difficulty of loans is increasing, and the market volatility is more violent, and the listing financing is even more difficult, which aggravates the financing risk of enterprises.

2) The risk of bad debts of accounts receivable is aggravated.

Some enterprises focus on credit sales in business strategy, so the proportion of accounts receivable is higher, especially some enterprises with a long transaction settlement cycle, due to the large accounts receivable base, the payment time is relatively long, so it occupies a lot of working capital of the enterprise, if there is a large amount of bad debts within the enterprise, it will bring greater business risks to the enterprise, resulting in a serious deterioration of the financial situation of the enterprise.

3) The risk of declining return on net assets in the investment process.

Some long-term investment projects of enterprises, such as **, fixed assets, project construction, etc., although the return on investment is higher than that of short-term investment, there is a risk of greater uncertainty and higher capital investment, and poor management is easy to cause serious financial losses.

In particular, the current external financial market is frequently adjusted, and the overall economic environment is not optimistic, if the growth of corporate profits cannot keep pace with the growth of the company's net assets in the short term, it will directly cause the decline in the return on net assets of enterprises; At the same time, for some of the company's raised capital investment projects, if they cannot quickly produce benefits to make up for the depreciation of new fixed assets, it will also affect the company's net profit and return on net assets.

2 weeks of Ellie. Corporate Financial Risk**[J]Journal of Finance and Accounting, 2004,(03).

3 Wang Fangyun; Research on the financial risks of listed companies [D]; Shandong University; In 2005.

4 Zheng Hannan; Research on risk identification and control of private technology enterprise entrepreneurship [D]; Jilin University; Year 2006.

5 Ran Xiaofeng; Research on financial risk control of group companies [D]; Sichuan University; Year 2006.

6 Wang Shuqin; **Causes and countermeasures of financial risks of modern enterprises [J]; Northern Economy and Trade; Issue 06, 2006.

7 Chen Wenjun; Corporate Financial Risks: Identifying, Assessing and Dealing with [J]; Financial Theory and Practice; Issue 03, 2005.

8 Zhao Zhenqin, Cui Zidong; Research and education on risk management [J]; Northern Economy; Issue S1, 2007.

9 Quan Xiaohong, Kang Weiping; Causes and countermeasures of corporate financial risks [J]; Journal of University of South China (Social Sciences); Issue 03, 2007.

10 Liu Ping, He Wu; Research on the causes of financial risk and its control strategy[J]; Guangxi Social Sciences; Issue 10, 2004.

11 Fan Shisen; A Preliminary Study on Financial Risks and Their Prevention [J]; Journal of Jiangsu Vocational and Technical College of Economics and Trade; Issue 02, 2004.

13 Xia Guodong; Enterprise financial risk control and prevention countermeasures [J]; shopping mall modernization; Issue 34, 2006.

14 Ouyang Neng; On the Financial Risks of Enterprise Groups and Their Prevention[J]; Journal of Guangxi Youth Cadre College; Issue 02, 2005; 67-70

15 Wu Jingjie, Shi Shaomei; control of financial risks [J]; Money Magazine; Issue 06, 2005; 33-34

16 Wang Shuqin; **Causes and countermeasures of financial risks of modern enterprises [J]; Northern Economy and Trade; Issue 06, 2006. 70-71

17 Wei Huhua; Causes and Prevention of Financial Risks in Modern Enterprises [J]; Friends of Accountancy; Issue 01, 2004; 54-55