本文提出的债权资产“风险损失率”和“相对价值”的概念，对金融资产评估实践和应收账款评估操作具有一定的借鉴意义。
The concepts of "rate of risk-loss" and"relative value" submitted in this paper, among other things, are instructive for appraising the commercial banks and their receivable accounts.
但是，在实际操作中出现了很多急待解决和值得研究的问题，而其中融资难则是最为突出的核心问题之一。
Though there are many problems coming up in practice which leave to be solved and worth of investigation. And the difficulty in financing is most prominent among the core issues.
然后，详细分析股权众筹融资模式面临的法律风险、操作风险、信用风险以及资金安全风险问题。
Thencomes a detailed analysis of the legal risk, operational risk, credit risk and financialsecurity risk faced by equity crowdfunding financing pattern.
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