1, risk of price fluctuation. The fund accumulation system emphasizes the free investment of the insured, but not everyone has the ability to choose the right investment tools and investment objects, and some people will inevitably make investment mistakes, resulting in a serious shortage of fund accumulation in a certain period;
2. Reverse income distribution risk. The investment of the fund requires a certain fee. The lower the income, the greater the proportion of fund investment cost, and the lower the net income after excluding investment cost. The investment cost basically flows to middle and high income groups such as financial practitioners, which widens the income distribution gap;
3. Market distortion risk. If the management and operation of the fund is handed over to the government, it will inevitably lead to excessive state intervention in the market. On the one hand, it is easy to violate the laws of market economy, on the other hand, the government is likely to interfere in the internal decision-making of listed companies.
Types of financing risks/p&g t.
1, credit risk refers to the risk that project participants cannot perform the agreed responsibilities and obligations.
2. Completion risk refers to the risk that the project cannot be completed, delayed or fails to meet the expected operating standards after completion.
3. Production risk refers to risk factors such as technology, resource reserve, energy and raw material supply, production and operation, and working conditions in the production and operation stage.
4. Market risk refers to whether the product quality and output can be maintained as planned at a certain cost level, as well as the risks brought by market demand and market price fluctuations.
5. Financial risks mainly include interest rate risk and exchange rate risk in project financing.
6. Political risks can be divided into national risks and stability risks of national political and economic policies.
7. Environmental risk refers to the risk of increasing new asset investment or forcing the project to stop production because of meeting the requirements of environmental laws and regulations.
What is a financial risk indicator? Financial risk indicators are financial analysis indicators based on generalized financial activities, which set sensitive financial indicators from a dynamic and long-term perspective and observe their changes, and then reflect the potential or future financial crisis of enterprises. Financial risk index is the unity of financial indicators and financial early warning model, which has certain macro-analysis value for the business activities of enterprises.
Enterprises can establish a multivariate mathematical model by selecting multiple enterprise samples, and make a more comprehensive and in-depth analysis of enterprise financial risks. By understanding the financial risk indicators of enterprises, it is beneficial to reduce the cost of financial risks in enterprises, thus improving the internal control management system of enterprises.