Financial Risk Analysis in terms of short-term financing. by dgalan

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· @dgalan ·
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Financial Risk Analysis in terms of short-term financing.
<div class="text-justify"><strong>Written by:</strong>Diomer Antonio Galán Rincón.</div>
<div class="text-justify"><strong>Bachelor's Degree.</strong>Public Accounting / <strong>MSc.</strong>Science of Higher Education.</div>
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<center><img src="https://i.postimg.cc/2yTNFxXJ/Presentaci-n1.png"/></center>
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<blockquote><center> Author: <a href="/@dgalan">@dgalan</a>,through Power Point 2010 tool, and using public domain image Pixabay </a></center></blockquote>
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<div class="text-justify"> Organizations, in general, must respond to the demands and factors of the economic and social context, where they carry out their operations, as well as the global environment, due to the constant instability resulting from the dynamics of an increasingly competitive and changing market, where the main actors, such as states and large corporations try to impose their conditions.</div>
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<div class="text-justify"> In this sense, it is worth mentioning that the current economy goes through a series of continuous changes, which are perceptible for individuals and also for organizations, however, these have an important impact on the schemes related to the economy, as well as in the social context in general, therefore, managers must be constantly alert to reduce the risks that such a situation may entail.</div>
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<center><img src="https://cdn.pixabay.com/photo/2017/09/15/19/41/businessman-2753324_960_720.jpg"/></center>
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<blockquote><center>Image taken from:<a href="https://pixabay.com/es/illustrations/empresario-empresaria-2753324/"rel="noopener" title="This link will take you away from steemit.com">Pixabay</a></center></blockquote>
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<div class="text-justify"> In this sense, Cruz (2004) defines risk as "that which can generate an undesired event and bring as consequences, losses and damages", hence, measures must be taken to minimize these negative effects, both for individuals and for companies and institutions. Such an approach is due to situations of uncertainty and risk to which organizations are exposed.</div>
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<div class="text-justify"> At the same time, it is important to point out the types of risk to which organizations are subjected, including liquidity, credit, exchange, market rate and financial risks, the latter arising from the need of companies for financing in order to grow. In most cases, it is essential to have access to new income, either for the establishment of a new company or for the maintenance of an existing one.</div>
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<center><img src="https://cdn.pixabay.com/photo/2014/11/15/17/40/executive-532448_960_720.jpg"/></center>
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<blockquote><center>Image taken from:<a href="https://pixabay.com/es/photos/ejecutivo-empresaria-poder-femenino-532448/"rel="noopener" title="This link will take you away from steemit.com">Pixabay</a></center></blockquote>
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<div class="text-justify"> Therefore, it is important to note that companies need investments to update their technological park, equipment and tools, the ergonomics of the workplace, increase of working capital, that is to say, their growth will be accompanied by such investments, which can be through financing from internal or external sources, among which we can mention: suppliers, bank loans, issuance of shares and bonds, being these sources the ones that present greater financial risk, because they involve commitments with third parties and in many cases imply an expense due to the payment of interest.</div>
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<div class="text-justify">In the Venezuelan case, the high inflation rates have generated a situation where companies that do not have high levels of inventory turnover, have problems to replenish their inventories, therefore, they must resort to sources of financing to face such situation, now, although inflation rates are higher to a great extent than the active interest rates imposed by banks, the short terms established for the payment of the same, makes the financial risk greater.</div>
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<div class="text-justify"> It is important to point out that the company's financial risk must be known in order to guarantee the best possible financing decision, otherwise, there could be consequences such as; the company could generate financial liabilities that it would not be able to cancel and with that, bankruptcy.</div>
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<div class="text-justify">I hope you like my article and I would appreciate all your comments.</div>
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<center><h3> bibliographic reference:</h3></center>
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<div class="text-justify">1.- Cruz, J. (2004) Finanzas Corporativas, Colombia, Editorial Thomson.
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<div class="text-justify">2.- Gonzalez, S. (2014) Financial management and access to financing of the SMEs of the commerce sector in the city of Bogotá. National University of Colombia..
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<center><img src="https://i.imgur.com/PWRlilq.png"/></center>
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