中小企业财务管理存在的问题及对策摘要中国自从加入世界贸易组织，我们国家的中小企业也因此遇到了从来没有过的发展机会，但在此同时也面对着各种各样的挑战。生存问题是中小企业的核心问题，而企业的财务管理是让中小企业可以生存下去的关键。但是，在我们国家企业的财务管理不能得到应该有的重视，企业的发展被严格的限制了。中小企业在我国经济发展中具有极为重要的地位和作用。然而，由于中小型企业自身环境及规模的限制，不断面临着融资困难、技术薄弱、管理思想落后等诸多问题，忽视了财务管理的核心地位，导致在激烈的市场竞争中面临着巨大困难。这篇文章是对中小企业财务管理中存在的财务的管理模式落后，筹资困难，投资能力很差，不重视财务掌控等问题的论述，不仅仅论述了这些问题，也提出了这些问题相对应的解决方案，由此体现出财务管理在我们国家中小企业中的重要作用。文章的主旨在于让我们国家的那些中小企业的管理者懂得想要改变现在企业财务管理的这种状况必须要和中小企业的实际情况结合起来，这样中小企业才能更好的发展，才能持续发展。关键词：中小企业，财务管理，困难，经济发展，管理者Smallandmedium-sizedenterprisefinancialmanagementproblemsandcountermeasuresABSTRACTSinceChinajoinedtheworldtradeorganization,thesmallandmedium-sizedenterprisesofourcountryalsomethasneverbeenadevelopmentopportunity,butatthesametimealsofacedwithvariouschallenges.Survivalisthecoreissueofsmallandmedium-sizedenterprises,andenterprisefinancialmanagementisthekeytoletthesmallandmedium-sizedenterprisescansurvive.However,inourcountryenterprisefinancialmanagementcannotbesupposedtopayattentionto,thedevelopmentoftheenterprisehasbeenstrictlimits.Smallandmedium-sizedenterprisesinChina'seconomicdevelopmenthasveryimportantpositionandrole.However,duetothesmallandmedium-sizedenterpriseownenvironmentandthelimitationofsize,constantlyfacedwithfinancingdifficulties,poortechnology,backwardmanagementthinking,andmanyotherissues,ignoredthecentralpositionoffinancialmanagement,inthefiercemarketcompetitionfacingenormousdifficulties.Thisarticleisforsmallandmedium-sizedenterprisefinancialmanagementoffinancialmanagementmodel,financingdifficulties,investmentabilityisverypoor,donottakethefinancialcontrolandotherissues,thispapernotonlydiscussestheseproblems,andputsforwardthecorrespondingsolutionstotheseproblems,whichreflectsthefinancialmanagementoftheimportantroleofsmallandmedium-sizedenterprisesinourcountry.Thepurposeofthearticleistomakeourcountrysmallandmedium-sizedenterprisemanagersknownowwanttochangetheenterprisefinancialmanagementisaconditionthatmustbecombinedwiththeactualsituationofsmallandmedium-sizedenterprises,sothatsmallandmedium-sizedenterprisescanbetterdevelopment,tosustainabledevelopment.KEYWORDS：smallandmedium-sizedenterprises,financialmanagement,difficulty,economicdevelopment,andmanagement目录前言................................................................11中小企业财务管理的概述............................................21.1中小企业的定义..............................................21.2财务管理的概述..............................................21.2.1财务管理的定义.........................................21.2.2财务管理的特点.........................................32中小企业财务管理的现状............................................42.1中小企业融资管理............................................42.2中小企业投资管理............................................42.3中小企业营运管理............................................53中小企业财务管理存在的问题及分析...........
