What is the current situation of financing risk management in private enterprises?

Legal analysis: 1. The lack of management and supervision mechanism leads to moral hazard. Some private enterprises, after obtaining a large number of high bank loans, or ants moved or crossed the ocean and fled, transferred their funds to other places, even abroad, and then absconded, leaving banks unable to recover debts, causing a "financial earthquake."

2. Asymmetric information transmission will generate data risks. In order to obtain bank financing and beautify statements, some private enterprises provide audit reports containing a lot of false information to banks, which makes it more difficult for banks to identify the authenticity of information.

3, the business behavior is not standardized, forming speculative risks. The business risk of an enterprise mainly comes from the liquidity risk of funds. In particular, most private enterprises are small in scale and weak in risk resistance. The boss of an enterprise is both an investor and an operator. Enterprises are equivalent to bosses in different degrees, and employees are in a passive position of "migrant workers", and their awareness of participating in and discussing state affairs is weak. The management mode and strategy of an enterprise depends entirely on the boss's personal interest preference and ability level.

4, the uncertainty of moral behavior, the formation of legal risks, to the operation and survival of enterprises to bring a fatal blow.

Legal basis: Article 3 of People's Republic of China (PRC) Company Law is an enterprise legal person with independent legal person property and legal person property rights. The company is liable for its debts with all its property.

Shareholders of a limited liability company shall be liable to the company to the extent of their subscribed capital contribution; Shareholders of a joint stock limited company shall be liable to the company to the extent of the shares subscribed by them.