摘 要：在全江苏省的经济发展中，苏北地区的经济增长速度已经超越苏南地区，但是由于苏南地区经济实力雄厚，苏北地区的GDP总量还远不如苏南地区。江苏省要想率先实现现代化，缩小贫富差距，就必须重视苏北经济的发展，尤其是苏北地区民营企业的发展。笔者通过查阅文献、走访宿迁地区民营企业，发现苏北民营企业存在很多诱发融资风险的不良因素，例如财务管理不规范、外源融资渠道狭窄等等。本文重点分析了苏北民企融资风险，概括出融资风险的几种类型，分析了这些风险的形成原因，并且根据风险成因结合苏北民营企业的特点提出相应的风险防范措施，其中最重要的对策就是企业从生产经营管理与财务管理上提升企业信用等级，进而提升企业融资能力，政府增强与民企合作，提供政策扶持，这样才能有效降低融资风险。另外，随着2011年温州地区的民间高利贷危机，苏北也出现了不少民间非法集资事件，笔者也重点分析了民间资本融资风险。总而言之，本文对苏北民营企业认识融资风险、防范融资风险具有很好的实际意义。

关键词：苏北地区；民营企业；内源融资；融资风险

ABSTRACT：In the economic development of Jiangsu Province, Jiangsu region's economic growth rate has surpassed the southern region, but the southern region's economic strength, so the total GDP is still lower than southern regions. Jiangsu Province in order to lead in realizing modernization, narrowing the wealth gap, we must attach importance to Northern economic development, especially the development of private enterprise in Northern. Author through literature, visits Suqian private enterprises, private enterprises, there are many found in Northern financing risks induced adverse factors, Such as financial management is not standardized, so the narrow channels of external financing. This paper focuses on Northern private financing risks, financing risks summarized several types of analysis of the causes of these risks , and risk-based Genesis combines the characteristics of private enterprises in Northern propose appropriate risk prevention measures , One of the most important measures that enterprises from the production and operation management and financial management to enhance corporate credit rating , and thus enhance the ability of corporate finance , government and private enterprises to strengthen cooperation and to provide policy support, so as to effectively reduce financing risk. In addition, with the 2011 civil usury Wenzhou crisis, there have been many folk Subei illegal fund-raising events; I also focus on analysis of the private capital financing risk. In summary, this paper Subei private enterprise financing risk awareness, prevention financing risk has good practical significance.

Keywords: Northern region; private enterprise; internal financing; financing risk