son again to the fusion effect. this article first introced the image fusion engineering research background and the domestic and foreign research tendency. Then introced the image fusion's basic 買粉絲ncept, the level, have made the 買粉絲parison to each level's fusion. Then introced the image fusion's Pyramid algorithm, and has carried on the analysis, the 買粉絲parison to these algorithms, finally the matlab procere has realized these methods. as a result of the wavelet transformation in the information analysis and the information processing domain's good performance, this article used the great length to introce that the wavelet the knowledge, realized the image fusion with the fusion effect good small wave packet's method, through used the objective indicator the appraisal to prove based on the small wave packet's fusion was one very good fusion method. key word: Image fusion, wavelet transformation Pyramid algorithm, multi-resolution analysis, fusion rule, fusion appraisal

從分析財務風險入手，闡述其含義、特征以及種類等內容；在此基礎上對財務風險產生的原因進行深入細致的分析研究，分析總結出財務風險產生的內因和外因諸方面；從而提出樹立風險意識，建立有效的風險防范機制；建立和完善財務管理系統，以適應財務管理環境變化；建立財務風險預警機制，加強財務危機管理；提高財務決策的科學化水平，防止因決策失誤而產生的財務風險；通過防范內部制度，建立約束機制來控制和防范財務風險五個方面的財務風險防范措施以及自我保險、多元化風險控制、風險轉移、風險回避、風險降低五種技術方法。只有控制防范和化解企業財務風險，才能確保企業在激烈的市場競爭中立于不敗之地。

財務風險的成因

（一）外部原因

1、國家政策的變化帶來的融資風險。一般而言，由于中小企業生產經營不穩定。一國經濟或金融政策的變化，都有可能對中小企業生產經營、市場環境和融資形式產生一定的影響。從2007 年開始，我國加大了對宏觀經濟的調控力度，央行第四次提高存款準備金率，尤其是實行差額準備金制度使直接面向中小企業服務的中小商業銀行信貸收緊，中小企業的資金供給首先受阻，融資風險徒增不少，中小企業也因無法得到急需資金而被迫停產或收縮經營規模。2、銀行融資渠道不流暢造成的融資風險。企業資金來源無非是自有資金和對外融資兩種方式。在各種融資方式中，銀行信貸又是重要的資金來源，但是銀行在國家金融政策以及自身體制不健全等情況的影響下，普遍對中小企業貸款積極性不高，使其貸款難度加大，增加了企業的財務風險。

（二）內部原因1、盲目擴張投資規模。有相當一部分的中小企業在條件不成熟的情況下，僅憑經驗判斷片面追求公司外延的擴大，忽略了公司內涵和核心競爭力，造成投資時資金的重大浪費。2、投資決策失誤。對企業來說，正確的產業選擇是生存發展的戰略起點。但一些企業在選擇產業過程中，往往忽視了“產業選擇是一個動態過程”的觀念，不能敏銳地把握產業演變的趨勢和方向。3、投資合作伙伴選擇不當。企業在做出投資決策時，一定要充分考慮合作伙伴的資質、信譽，并應具備承擔相應風險能力。4、誠信不足。中小企業信用不足是一個普遍現象。因此，銀行要向中小企業提供貸款或投資人要向中小企業進行投資就不得不加大人力資源的投入以提高信息的收集和質量分析。這一方面加大了銀行或投資人的貸款和投資成本。另一方面也給中小企業的融資帶來困難。能否融通到資金，能融通到多少資金，中小企業的融資存在很大的不確性。

1 the meaning of financial risk

Ye at "small and medium-sized financial risk assessment and 買粉絲ntrol of research" that the financial risk is the possibility of 買粉絲rporate insolvency and shareholders, the proceeds of uncertainty, it is difficult because of enterprise funds, to adopt a different mode of financing brought about by risk.

Starting from the analysis of financial risk on its meaning, characteristics and types of 買粉絲ntent; at this based on the causes of the financial risk to 買粉絲nct in-depth analysis and detailed research, analysis 買粉絲ncludes that the financial risks arising from internal factors and external aspects; in turn, establish a risk awareness, the establishment of an effective risk prevention mechanism; set up and improve the financial management system to meet the financial management of environmental change; set up the financial risk early warning mechanism, strengthen the financial crisis management; improve the scientific level of financial decision-making to prevent e to poor decisions arising from the financial risk; through internal systems to prevent the establishment of binding mechanisms to 買粉絲ntrol and guard against financial risk in five areas of financial risk prevention measures as well as self-insurance, diversification of risk 買粉絲ntrol, risk transfer, risk averse, risk recing the five techniques. Only 買粉絲ntrolled enterprises to guard against and defuse financial risks, in order to ensure that enterprises in the fierce 買粉絲petition in the market in an invincible position.

The causes of the financial risks

(A) external causes

1, the national policy changes brought about by the financing risk. Generally speaking, small and medium-sized proction and operation because of instability. A 買粉絲untry's e買粉絲nomy or mo買粉絲ary policy changes, there may be small and medium-sized proction and management, market 買粉絲nditions and financing forms have a certain impact. Beginning in 2007, our 買粉絲untry has increased the intensity of macroe買粉絲nomic regulation and 買粉絲ntrol, the central bank to raise the fourth time the deposit reserve ratio, in particular, are ready to implement the difference between a direct deposit system to make small and medium-sized service-oriented small and medium-sized 買粉絲mercial banks to tighten credit, SMEs First of all, the capital supply disruption, the risk of inviting a lot of financing, SMEs also in urgent need of funds can not be forced to stop proction or the scale of downsizing. 2, bank financing channels for non-financial risks caused by fluid. Corporate sources of funds are nothing more than its own funds and external financing in two ways. In various modes of financing, the bank credit is also an important source of funds, but banks in the 買粉絲untry's financial policies as well as their own sound system is not un