中小企业财务管理存在的问题及对策

中小企业及其财务管理的状·······························································································（3）（一）中小企业经营特点················································································································（3）（二）财务管理的特点····················································································································（3）二、中小企业财务管理中存在的问题·······················································································（4）（一）资金短缺且投资欠缺科学性和长远性········································································（4）（二）财务控制薄弱························································································································（4）（三）经营模式僵化，财务管理不完善···············································································（4）三、解决中小企业财务管理中存在问题的对策······························································· （4）（一）投资要面向市场，对投资项目进行可行性研究，正确进行投资决策，努力降低投资风险。······························································································································· （4）1、应以对内投资方式为主。····································································································· （4）2、分散资金投向，降低投资风险。························································································（4）3、规范项目投资程序。·················································································································（5）（二）企业要加强自我管理，强化资金管理，加强财务控制·····································（5）1、提高认识，把强化资金管理作为推行现代企业制度的重要内容，贯彻落实到企业内部各个职能部门。·············································································································（5）

2、努力提高资金的使用效率，使资金运用产生最佳的效果。····································（5）3、加强财产控制特别是对存货和应收应付款项的管理。············································（5）4、 保持财务资料完整。·············································································································（5） (三) 优化财务结构。 ···················································································································（5）

（四）加强财会队伍建设的同时提高企业的管理水平。·················································（5）

内 容 摘 要

中小企业是国民经济发展的一支主力军，它在促进经济增长、提供服务、解决就业等方面发挥了突出的作用。 中小企业在遇到前所未有的发展机遇的同时，也面临着严峻的挑战。 绝大多数中小企业往往片面追求企业短期经济效益，而忽视了财务管理对提高企业长期经济效益的真正作用。 对中小企业的界定以及特征做出阐述，并分析中小企业财务管理中存在的几个主要问题，并针对以上问题，提出优化中小企业财务管理的建议和对策。

关键词：中小企业；财务管理；问题；对策