中小企业财务管理问题与对策 毕业论文

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1、摘要中小企业财务管理存在的问题，有助于中小企业在资金筹集、运用和分配中制定适合自己企业的策略，以便在市场竞争申获胜。中小企业财务管理薄弱环节主要表现在对财务管理重视不足，导致其可持续发展产生相应“瓶颈”一一筹资困难、资金不足，制约着企业的投资、营运费金管理不到位等。针对这些问题，必须研究对策，采取措施，建立适应现代中小企业的财务管理制度，以促进我国中小企业稳定健康发展。[关键词中小企业；财务管理；问题；对策8目录1.中国中小企业经营概况·······················································

2、·11.1经营管理者和所有者统一····················································11.2经营多属于负完全责任的个人经营············································11.3面临的市场竞争压力较大····················································11.4具有经营机制方面的灵活性和易变性··········································11.5初始资本及可利用的资本

3、少··················································12.中小企业财务管理中存在的问题················································22.1缺乏国家政策支持··················································22.2投资及产业发展较弱，且发展缺乏科学论证····································22.3资金严重不足，融资困难·······················

4、······························22.4财务管理内容不规范························································22.5财务控制力较为薄弱························································22.6管理模式僵化，管理观念落后················································22.7投资弱，不具有科学性····························

5、···························283.解决中小企业财务管理问题的对策··············································33.1更新管理思维,积极建立现代企业制度·········································33.2建立科学规范的财务分析机制················································33.3借鉴国外中小企业融资方式，改善我国中小企业的融资状况······················33.4

6、加强财会人员的职业教育,重视财会创新人才的培养和激励·······················33.5加强企业内部控制，提高会计信息质量·······································33.6增强风险意识，加强风险管理，降低经营风险··································33.7实行严格的奖罚制度························································3参考文献··································

7、····································481中国中小企业经营概况1.经营管理者和所有者统一中小企业中，经营者往往就是最大的股东。自己出资，自己经营，这一方面表现为企业决策灵活及时，经营目标明确和强烈的追求利润最大化的优势，经营者目标与股东利益取得一致；另一方面表现为公司在经营上缺乏有力的外部监督，资金使用上存在一定的随意性，不利于公司的良性发展。2.经营多属于负完全责任的个人经营企业的经营决策主要依靠领导人自己对市场的直观把握，因此企业的成败完全取决于经营者的个人能力。3.面临的市场竞争压力较大中小企业从事的行

8、业多容易进入，所以在扩大其产业市场的时候，许多新的对手会参加进来，容易形成过度竞争的局面，而中小企业自身弱小，很难经得起时常波动的冲击。4.具有经营机