摘 要国内互联网技术的蓬勃发展，其衍生出的互联网金融行业发展速度同样不容小觑。互联网金融的出现有利于中小型企业融资，虽能满足企业融资需求，但其产生的风险也同样存在。本文针对互联网金融行业爆发的背景下中小企业融资风险和路径进行全面探究。以 Y 公司为例，首先选用 SWOT 分析法对 Y 公司进行互联网融资的优势、劣势、机会和风险进行分析，再通过对信息保障倍数、资产负债率、偿债能力等财务指标进行具体风险分析。结果发现，Y 公司目前通过互联网金融的方式融资，优势和机会较为可观，无论内部或外部，条件均已成熟，但是仍然不可忽视所面临的劣势且存在财务杠杆、利息、债务偿还等风险。针对这些风险制定相应对策，以保企业持续健康发展。该研究意义在于针对其他中小型企业采用互联网金融的融资方式提出一些意见，知道目前互联网金融融资环境还存在各种不足，建议企业根据自身情况制定更加完善的融资方案，提高财务风险意识，以逐步解决资金短缺的问题。关键词：互联网金融 融资 风险 SWOT 分析法 AbstractThe rapid development of domestic Internet technology, the speed of Internet finance industry derived from it can not be underestimated. The emergence of Internet finance is conducive to the financing of small and medium-sized enterprises. Although it can meet the financing needs of enterprises, the risks it generates also exist. This article focuses on the financing risks and paths of SMEs in the context of the outbreak of the Internet financial industry. Taking company Y as an example, the SWOT analysis method was first used to analyze the advantages, disadvantages, opportunities and risks of company Y's internet financing, and then specific risk analysis was performed on financial indicators such as information protection multiples, asset-liability ratios, and solvency. It was found that company Y is currently financing through Internet finance, with considerable advantages and opportunities. Whether internal or external, the conditions are mature, but it still cannot...
