企业进行负债经营,就必须承担筹资风险。那么,如何加强企业负债筹资风险的防范与控制,从而确保企业经营过程中理财的安全性?笔者认为,须从以下几方面着手:一是建立有效的风险防范机制。首先,建立有效的偿债保障机制,包括建立防止企业出现偿债危机的事前保障机制和当企业出现偿债危机时对债权人进行保护的事后保障机制。其次,建立银行监控机制,银行作为企业的主要债权人,既拥有企业大量的信息,又具有监控企业的能力,便于在企业的负债经营中发挥监督作用。二是确定适度的负债比率。具体做法是:优化资本结构,从静态角度出发,主要是加大权益资本与负债的比率,从而达到降低总体风险的目的;从动态角度出发,应强化财务杠杆的约束作用,自觉调节资本结构中权益资本与负债的比例关系。三是合理安 Enterprises operating in debt, we must assume the financing risk. So, how to strengthen the risk prevention and control of corporate debt financing, so as to ensure the safety of wealth management in the course of business? I believe that we must proceed from the following aspects: First, establish an effective risk prevention mechanism. First of all, to establish an effective mechanism of debt repayment protection, including the establishment of an ex ante protection mechanism to prevent the enterprise from repaying the debt crisis and an ex post safeguard mechanism to protect the creditors in the event of a debt repaying crisis. Second, to establish a bank monitoring mechanism. Banks, as the main creditors of the enterprises, possess not only a large amount of information about the enterprises but also the ability to monitor the enterprises so as to play a supervisory role in the management of the liabilities of the enterprises. The second is to determine the appropriate debt ratio. The specific approach is: optimize the capital structure, from a static point of view, the main is to increase the ratio of equity capital and liabilities, so as to achieve the purpose of reducing the overall risk; from a dynamic point of view, should strengthen the restraint role of financial leverage and consciously adjust the capital structure Equity capital and debt ratio relationship. Third, reasonable security