中小企业财务管理存在的问题及对策
内 容 摘 要
【内容摘要】：由于国家政策及企业自身方面的问题，中小企业在财务管理上主要存在筹资渠道窄、资金严重不足、经营者财务管理意识淡薄、企业财务核算制度不健全等问题。为了更好地发挥中小企业的作用，笔者建议采取国家出台相关政策、拓展融资渠道、严格财务管理、加强外部监管力度、引进职业经理队伍等措施，提高中小企业的经营管理水平。
【关键词】：中小企业；财务管理；财务控制；管理效率；强化资金
目 录
内容摘要··························································· 1
一、引言···························································· 3
二、中小企业财务管理中存在的问题··································· 3
（一）缺乏明确的产业发展方向,对项目投资缺乏科学论证··············· 3
（二）资金短缺,融资困难··········································· 3
（三）管理模式僵化,管理观念陈旧··································· 4
（四）管理基础薄弱,内部控制不严格································· 4
（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···· 4
三、财务管理对中小企业的影响及发展现状······························ 4
（一）财务管理对中小企业的影响··································· 4
（二）分析我国中小企业财务管理的现状····························· 5
四、中小企业财务管理中存在的问题·································· 5
（一）缺乏明确的产业发展方向,对项目投资缺乏科学论证············· 5
（二）管理模式僵化,管理观念陈旧································· 5
（三）管理基础薄弱,内部控制不严格······························ 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）加强财会队伍建设,提高企业全员的管理素质··················· 7
六．结论···························································· 8
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