A Research Of Warning About The Financing Risk Of Z Company Based On Neural Networks

Small and Medium-sized Enterprises(SMEs)have always been an important force in China's economic growth.The healthy development of SMEs is of great significance to the rapid development of China's economy and society and the stable development of the financial market.However,under the current economic situation,SMEs have always had huge hidden risks of financing risks.On the one hand,SMEs are different from large state-owned enterprises in that they have huge capital scale and huge reserves;on the other hand,SMEs tend to have small profits and lack sufficient financing opportunities,so it is easy to fall into the dilemma of capital turnover and thus generate financing risks.The high financing risk of SMEs will not only cause the company's debts to be overdue,cause losses to shareholders' equity,and even lead to the bankruptcy of SMEs.Therefore,the prevention and control of financing risks for SMEs is imperative.Finally,the practical significance of the research in this paper is that Z Corporation and various SMEs can prevent possible financing risks in advance through the study of early warning models.The theoretical significance of this paper is in the innovation and development of financing risk warning technology.This article first introduces the definition and related theories of SMEs 'financing risk,including SMEs,financing and financing risks,financing early warning concepts,as well as capital structure theory,business cycle theory and balanced credit rationing theory.Then,this paper uses a combination of qualitative and quantitative methods.On the one hand,from the perspective of financing methods,financing risk performance forms,financing risk influencing factors and other theories,the characteristics and influencing factors of Company Z's financing risk are analyzed.On the other hand,the article selects Z Company's financial statements for the period 2016-2018,and analyzes Z Company's financial situation and financing characteristics in depth through several explanatory financial indicators.Secondly,14 financial indicators related to Z company's financing risk are selected to establish an early warning indicator system.Finally,this paper builds Z company's financing risk early warning model through MATLAB software and BP neural network model,and uses test samples to carry out model accuracy Verified and successfully predicted and analyzed Z's financing risk.Finally,in view of the financing status of Company Z,this article puts forward countermeasures and suggestions for the prevention of Company Z's financing risks from two perspectives of company internal activities and external activities to ensure that Company Z achieves the goals of improving financing efficiency and preventing financing risks.