摘要近年来，市场竞争的加剧，对我国中小企业，激烈的市场竞争环境是一把双刃剑，无论是中国的中小企业提升市场竞争力，并为中国的中小企业提高经济效益。然而，由于自身特点的限制，引进外资，对中小企业的影响。显然，中小企业财务管理能力的增长，提高财务管理水平，为中国的中小企业面对世界经济的挑战。在本文中，对中国中小企业的融资现状进行了分析，并提出了解决主要从当前中小企业财务管理现状在中国中小企业财务管理问题的有效措施，分析了融资难的问题，一个单一的人才管理模式的不足，在几个方面对中小企业财务管理财务信息的程度较低，对这些问题的具体措施，要与同事分享。关键词：中小企业，财务问题，解决对策AbstractInrecentyears,themarketcompetitionintensified,forsmallandmedium-sizedenterprisesofourcountry,theintensemarketcompetitionenvironmentisadouble-edgedsword,bothChina'ssmallandmediumenterprisestoenhancemarketcompetitiveness,andtoChina'ssmallandmediumenterprisestoincreaseeconomicbenefit.However,duetothelimitationsoftheirowncharacteristics,theintroductionofforeigncapital,theimpactofsmallandmediumenterprises.Obviously,thegrowthofsmallandmedium-sizedenterprisesfinancialmanagementability,improvefinancialmanagementlevel,isChina'ssmallandmedium-sizedenterprisesfacethechallengeoftheworldeconomy.Inthispaper,thecurrentfinancialsituationofsmallandmedium-sizedenterprisesinChinaareanalyzed,andputsforwardtheeffectivemeasurestosolvetheproblemoffinancialmanagementofsmallandmedium-sizedenterprisesinChinamainlyfromthecurrentsituationofthefinancialmanagementofsmallandmediumenterprises,analyzestheproblemsoffinancingdifficulty,thescarcityoftalentandmanagementmodeofasingle,lowdegreeoffinancialinformationinseveralaspectsthefinancialmanagementofsmallandmedium-sizedenterprises,andspecificmeasuresontheseinadequacies,inordertosharewithcolleagues.Keywords:smallandmedium-sizedenterprises,financialproblems,solvingcountermeasures目录第一章引言..................................................................11.1研究的背景............................................................11.2研究的目的和意义......................................................1第二章中小企业的总体概况....................................................32.1中小企业的定义及界定..................................................32.2中小企业目前的经营特点................................................32.2.1灵活的服务方式...................................................32.2.2在人员激励上更有弹性.............................................32.2.3初始资本及可利用的资本少.........................................32.2.4管理架构扁平.....................................................42.2.5投资的盲目性大...................................................42.3中小企业财务管理的意义................................................4第三章中小企业财务管理存在的主要问题........................................53.1外部环境产生的问题....................................................53.1.1融资政策环境和法律制度不完善.....................................53.1.2实际税负高于一般纳税人...........................................63.1.3筹资困难，成本较高...............................................63.2内部环境存在的问题....................................................63.2.1资产管理差，内控环节薄弱.........................................73.2.2财务人员专业素质不高，财务管理职能缺失...........................73.2.3投资能力弱，决策不科学........................................
