中文摘要：

中小企业在利率市场化背景下由于信息不透明、闭塞，对投融资对象、工具、期限、规模等选择不当而面临投融资失败、绝对损失、相对损失等风险，为避免这些风险，需要加强金融信息搜集和利率预测、正确选择投融资对象与工具及期限，借鉴商业银行利率风险管理方法控制投融资风险。

英文摘要：

In the background of interest rate freedom, because of information opaque, obstruction, and inappropriate choice of object, means, time limit, scale, etc. SMEs face the risks of failure in investment and financing, absolute and relative losses, etc. In order to avoid these risks SMEs need to reinforce collection of financial information and prediction of interest rate, choose correctly the object, means and time limit of investment and financing, and use for reference the interest rate risk management method of commercial banks to control risks of investment and financing.