中小企业财务管理存在的问题及对策

内 容 摘 要····························································2

一、研究背景及意义·····················································3

二、中小企业财务管理的特点·············································3

三、中小企业财务管理概述···············································4 (一)中小企业的界定··················································4

(二)财务管理的定义··················································4

四、中小企业财务管理中存在的问题·······································4

(一)缺乏明确的产业发展方向,对项目投资缺乏科学论证··················4

(二)资金短缺,融资困难··············································5

(三)管理模式僵化,管理观念陈旧······································5

(四)管理基础薄弱,内部控制不严格····································5

(五)财会人员素质偏低,高级财务管理人员缺乏,财务机构设置不合理·······6

（六）国家政策不完善···············································6

五、加强中小企业财务管理的对策建议·····································6

(一)面向市场,采用科学投资策略······································6

(二)优化企业外部环境,拓宽企业融资渠道······························7

(三)全方位转变企业财务管理观念·····································7

(四)强化资金和应收账款的管理,加强财务控制··························8

(五)加强财会队伍建设,提高企业全员的管理素质························9

六、结论·······························································9

参 考 文 献····························································10

内 容 摘 要

摘要: 我国中小企业经过改革开放20多年的发展,已取得了辉煌的成绩,在我国国民经济中占有举足轻重的地位。但是,目前中小企业举步维艰,失败率较高,企业平均寿命只有3—5年,一个极其重要的原因就在于财务管理工作跟不上企业发展的需要。在市场经济条件下,企业要生存、发展和盈利就必须建立现代企业制度,科学地进行资本运营,而这一切都需强化财务管理。

关键词：研究背景及意义、中小企业财务管理的特点、中小企业财务管理概述、

中小企业财务管理中存在的问题、加强中小企业财务管理的对策建议