1, short-term loans and long-term investments mean that enterprises need to bear higher financial risks. Due to the uncertainty and high risk of long-term investment, enterprises will face the dilemma that short-term loans cannot be repaid at maturity, which will lead to financial crisis.

2. Short-term loans and long-term investments will lead to the break of enterprise capital chain. Due to the short term of short-term loans and long return period of long-term investment, once the short-term loans expire, enterprises can not repay them on time, which will lead to the break of the capital chain and affect the normal operation of enterprises.