摘 要近年来,随着我国经济的发展,中小企业也在不断壮大,为我国国民经济的发展做出了巨大的贡献。统计结果表明,中小企业占全国工商注册企业的99%,产值和利润分别占60%和40%。一个影响中小企业经济效益的因素之一是企业的财务管理水平。近几年来,小人物的平均寿命和中型企业只有三到五年的时间,因为财务管理水平跟不上企业的发展。在这方面还存在许多问题,需要改进。本文首先阐述了中小企业财务管理的意义和中小企业财务管理的特点。然后阐述了中小企业财务管理中存在的问题,并提出了改进的建议。关键词:财务管理;管理制度;财务信息;业务素质ABSTRACTIn recent years, with the development of China's economy, small and medium-sized enterprises are also growing, making great contributions to the development of our national economy. The statistical results show that small and medium-sized enterprises account for 99% of the national business registered enterprises, output value and profits account for 60% and 40% respectively. One of the factors affecting the economic benefits of small and medium-sized enterprises is the level of financial management of enterprises. In recent years, the average life span of small potatoes and medium-sized enterprises has only three to five years, because the level of financial management does not keep pace with the development of enterprises. There are still many problems in this regard and need to be improved. First of all, this paper expounds the significance of financial management of small and medium-sized enterprises and their wealth. The characteristics of business management. Then it expounds the problems existing in the financial management of small and medium-sized enterprises and puts forward some suggestions for improvement.Keywords: Financial management; management system; financial information; professional quality目 录第 1 章 绪论....................................................