目录
一、企业资金的筹集···························································2
（一）、企业筹集资金的必要性和要求··········································2
1、企业筹集资金的必要性················································2
2、企业筹集资金的要求··················································2
（二）、企业筹集资金的方式和风险············································3
1、企业筹集资金的方式··················································3
2、企业筹集资金的风险··························`······················3
（三）、企业资金的合理筹集··················································3
1、树立正确的风险观念··················································3
2、优化资本结构························································3
3、保持和提高资本的流动性··············································3
4、合理安排筹资期限和组合方式··········································3
5、建立风险预警体系·························`·························4
二、企业资金的运用 ···························································4
（一）、企业资金运用的原则··················································4
1、成本与效益相匹配原则················································4
2、服务资本运营项目原则················································4
3、收益和风险权衡原则··················································4
（二）、资金运用的具体内容···················································5
1、用于流动资产的资金···················································5
2、长期资金的运用·······················································5
三、企业资金管理问题··························································5
（一）、资金管理意识淡薄，管理体系不健全·······················`············5
（二）、资金管理模式不适应企业实际···········································5
（三）、资金管理手段落后，使用效益低下·······································5
(四)、资金风险管理不足，引发严重财务风险···································5
四、企业资金的管理对策························································6
（一）、建立合理的组织体系，有效加强企业资金管理·····························6
1、合理分权，堵塞资金管理漏洞···········································6
2、加强部门协作，提高资金使用效率·······································6
（二）、采用计算机技术，实现小型化管理······································· 6
1、推行计算机技术，建立内部资金信息系统··································6
2、推进财务与业务一体化··················································6
（三）、实现直接集中管理，积极规范财务风险 ··································6
1、推进全面预算管理制度 ·················································6
2、完善结算中心制度，实施资金集中管理····································7
（四）、探索多种监督方式，确保资金的安全和完整·······························7
1、实行“会计委派制”，实现有效监督·······································7
2、积极开展内部审计，强化事前预防和事中控制······························7
内容摘要
现代企业制度要求企业成为自主经营，自负盈亏的经营实体。企业的资金筹集，运营与管理是现代企业管理的一个重要环节。本文主要从企业资金的筹集，运营与管理统一考虑，讨论企业搞好资金筹集，建立合理的筹资结构，建立资金的合理运用结构，加强资金管理，使企业取得更好的经济效益。
关键词 企业资金 筹集 运用 管理 问题 对策
