一、对企业利益产生的风险以及成因1.信用风险信用风险又称违约风险,指企业作为借款方,当还款遇到困难或者出现违约现象时,对企业的信用水平会造成损伤,在信用评级制度下,信用度是融资的重要影响因素,所以在选择融资的方式和数额时,要考虑自身的还款能力,降低信用风险。民间借贷利率高、债务人还款压力巨大,会迫使其作出背债出逃等逃债行为;其次,在向亲友等具有亲密关系的对象借款时,常常在没有相应的抵押担保或者对方不履行基本保障手续、手续不规范的情况下(如口头承诺)轻率借贷。所以当债务人的财务状况恶化无力还款时,债权 First, the risks arising from the interests of enterprises and causes 1. Credit risk Credit risk, also known as default risk, refers to the business as a borrower, when the repayment difficulties or default occurs when the credit level of the enterprise will result in damage, credit Credit rating system is an important factor in financing, so in the choice of financing methods and amount, we must consider their own repayment ability and reduce credit risk. The high interest rate of private lending and the pressure of repayment of debtors will force them to evade debts and other acts of debt evasion. Second, when borrowing money from relatives or friends who have intimate relationships, they often fail to perform the corresponding mortgage guarantee or the other party fails to perform the basic safeguards, In the case of non-standard procedures (such as verbal promises) frivolous loans. So when the debtor’s financial condition worsened when unable to repay the debt