摘要随着社会经济的发展，国内外经济的环境都发生着巨大的改变，这对企业的影响是尤为明显的，中国企业也不得不面临着这些环境的改变，尤为明显的是财务管理的变化，财务风险是企业无法忽视的风险，是企业随时面临的风险威胁。而我国的汽车制造业正在快速发展，占据我国GNP的40%以上，在推动着我国经济发展中发挥着不可忽视的作用，能够大力促进我国国民消费水平的提升。近年来国家对汽车制造业的要求也相应提高，新能源和更加环保的汽车一直受到人们的青睐，这就对了汽车制造公司提出了更高的要求。本文以海马汽车公司为例，分析海马汽车公司存在的财务风险，并结合其存在的问题提出相应对策，以期为我国其他企业的财务风险问题提供一些参考借鉴。关键词：财务风险融资渠道资本结构海马公司AbstractWiththedevelopmentofsocialeconomy,greatchangeshavetakenplaceinthedomesticandinternationaleconomicenvironment,andtheimpactonenterprisesisparticularlyobvious.Chineseenterpriseshavetofacethechangesoftheseenvironments,especiallythechangesinfinancialmanagement.Financialriskisariskthatcannotbeignoredbyenterprises,anditisariskthreatthatenterprisesfaceatanytime.However,China'sautomobilemanufacturingindustrydevelopsrapidly,andtheGDPcreatedbymanufacturingindustryaccountsformorethan40%ofthetotal.AutomobilemanufacturingindustryplaysanirreplaceableroleinChina'seconomicdevelopment,whichcanvigorouslypromotetheimprovementofChina'snationalconsumptionlevel.Inrecentyears,thecountry'srequirementsforautomobilemanufacturingindustryhavebeencorrespondinglyimproved.Newenergyandmoreenvironmentallyfriendlyautomobileshavebeenfavoredbypeople,whichputsforwardhigherrequirementsforautomobilemanufacturingcompanies.TakingHaimaautomobilecompanyasanexample,thispaperanalyzesitsfinancingchannels,financingmethods,assetstructure,capitalstructureandthewayofobtainingloans,summarizestheproblemsexistinginitsfinancialriskmanagement,andfinallyputsforwardcorrespondingcountermeasuresinordertoprovidesomereferenceforotherenterprisesinChina.Keywords:financialriskfinancingchannelcapitalstructurehaimacompany目录TOC\o"1-2"\h\z\uHYPERLINK\l"_Toc38365974"一、引言PAGEREF_Toc38365974\h1HYPERLINK\l"_Toc38365975"二、财务风险的分类和财务风险管理的原则PAGEREF_Toc38365975\h2HYPERLINK\l"_Toc38365976"（一）财务风险的分类PAGEREF_Toc38365976\h2HYPERLINK\l"_Toc38365977"（二）财务风险管理的原则PAGEREF_Toc38365977\h3HYPERLINK\l"_Toc38365978"三、海马汽车公司财务管理的现状PAGEREF_Toc38365978\h3HYPERLINK\l"_Toc3