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我国中小企业财务管理存在的问题及解决对策我国中小企业财务管理存在的问题及解决对策摘要中小企业是国民经济的重要组成部分，以其独特的经营方式和灵活的生产方式对经济的发展和社会的稳定起着举足轻重的促进作用。我国中小企业中有相当一部分忽视了财务管理的核心地位，管理思想僵化落后，使企业管理局限于生产经营型管理格局中，企业财务管理的作用没有得到充分发挥。同时，由于受宏观经济环境变化和体制的影响，中小企业在加强财务管理方面遇到了一定的阻力。本文主要从我国中小企业财务管理现状出发，以现代财务管理为依据，通过分析，找出中小企业财务管理方面存在的问题，并找出问题存在的原因，从而探讨适合中小企业自身发展的财务管理方法，完善财务管理机制，提高中小企业的经营管理水平。在此基础上，讨论企业在新形势下财务管理工作的发展方向。关键词:中小企业/财务管理/问题/对策我国中小企业财务管理存在的问题及解决对策ProblemsexistinginthefinancialmanagementofSMEsinChinaandCountermeasuresABSTRACTSMEsareanimportantpartofthenationaleconomy,withitsuniquemodeofoperationandflexibleproductionmethodsforeconomicdevelopmentandsocialstabilityplaysapromotingroleplayadecisiverole.Thesmallandmedium-sizedenterprisesinChinahaveaconsiderablepartofignoringthecentralpositionoffinancialmanagement,managementideaisoutdated,makeenterprisemanagementlimitedtotheproductionandoperationofthemanagementpattern,theenterprisefinancialmanagementhasnotbeenfullyplaytherole.Atthesametime,becauseoftheinfluenceofchangesinthemacroeconomicenvironmentandsystem,thesmallandmedium-sizedenterpriseencounteredsomeresistanceinstrengtheningfinancialmanagement.Thisarticlemainlyfromthepresentsituationofthefinancialmanagementofsmallandmedium-sizedenterprisesofourcountry,themodernfinancialmanagementasthebasis,throughtheanalysis,discoverstheexistenceofSMEsfinancialmanagementproblems,andfindoutthecausesoftheproblems,soastoexplorethefinancialmanagementmethodsuitableforsmallandmedium-sizedenterprisedevelopment,improvethefinancialmanagementmechanism,improvethesmallandmedium-sizedenterprisemanagementlevel.Onthisbasis,discussedthedevelopmentdirectionoftheenterprisefinancialmanagementunderthenewsituation.KEYWORDS:Smallandmediumsizedenterprises，Financialmanagement，Problem,Countermeasures我国中小企业财务管理存在的问题及解决对策目录摘要.................................................................................................................................................................1ABSTRACT...................................................................................................................................................21前言..............................................................................................................................................................11.1研究背景..........................................................................................................................................11.2研究意义.........................................................................................................................................12我国中小企业财务管理的概述..................................................................................................................22.1中小企业的概念.............................................................................................................................22.2中小企业的界定..............................................................................................................................22.3财务管理的概念..............................................................................................................................32.4中小企业财务管理的特点.............................................................................................................43我国中小企业财务管理存在的问题.........................................................................................................53.1融资困难，资金严重不足..............................................................................................................53.2资产疏于管理，财务控制薄弱......................................................................................................63.3管理观念落后，管理模式僵化......................................................................................................73.4财务管理人员素质不高，财务管理工作重视不够......................................................................83.5财务风险意识淡薄，企业始终在高风险区运行..........................................................................93.6财务管理的目标定位不系统..........................................................................................................93.7中小企业财务机构不健全............................................................................................................104我国中小企业财务管理存在问题的原因分析.......................................................................................104.1中小企业财务管理不规范............................................................................................................104.2中小企业解决融资问题能力有限................................................................................................104.3中小企业财会从业人员水平偏低................................................................................................114.4国家法律政策不健全....................................................................................................................114.5政府对中小企业优惠政策少........................................................................................................115我国中小企业财务管理存在的问题的解决对策...................................................................................125.1加强自身筹集资金的能力..........................................................