Research On Financial Risk Assessment And Control Strategy Of QXTZ Company’s Emergency Refinancing Business

The emergence of emergency re lending business is in line with the law of contemporary economic development,and has effectively alleviated the difficulties of capital turnover of small and medium-sized enterprises,the difficulty of repaying maturing loans,the rupture of private lending funds,overdue bank loans and other problems.With the further maturity of the development of emergency lending business,its role in promoting the development of small and medium-sized enterprises has become increasingly significant,providing a good economic and social environment for the healthy development of small and medium-sized enterprises.However,due to the difficulties and challenges such as narrow financing channels and customer credit crisis in the development process of emergency re lending business,it will undoubtedly lead to an increase in financial risk.At the same time,emergency re lending business is still in the initial development stage and may face more factors leading to financial risk in the future development process.Therefore,it is necessary to strengthen financial risk management in the development process of emergency re lending business,effectively evaluate and prevent financial risks to reduce or avoid financial risks.Therefore,it is of great theoretical and practical significance to select objective and accurate methods to evaluate the financial risks in combination with the financial risk characteristics in the emergency re lending business,so as to improve the enterprise’s risk control ability.This paper will take QXTZ company’s emergency lending business as the research object,combined with the relevant theories of financial risk assessment,analyze and identify the specific performance of emergency lending business in financing risk,capital operation risk and operation process risk from the process of capital movement,and from the aspects of debt repayment ability,profitability,operation ability In terms of development ability,12 representative financial indicators are selected.Combined with the performance evaluation standard value of operating investment companies in 2021,the financial risk evaluation model suitable for QXTZ company’s emergency re lending business is constructed by using analytic hierarchy process and efficiency coefficient method,the financial risk level of each indicator is clearly divided,and the indicators are objectively and accurately analyzed quantitatively,and further analyze the evaluation results.Through quantitative and qualitative analysis,it is found that the causes of financial risk are composed of unreasonable capital structure,narrow financing channels,customer credit risk,mistakes in business personnel’s operation process and so on.Finally,according to the qualitative and quantitative evaluation results,combined with the financial risk characteristics of QXTZ company’s emergency lending business,this paper puts forward targeted financial risk control strategies to help enterprises establish and improve the financial risk management mechanism,improve the financial risk management ability and awareness of business personnel,effectively prevent the occurrence of financial risks and minimize enterprise losses,Maximize enterprise value.