中小企業(yè)財(cái)務(wù)管理存在的問(wèn)題及對(duì)策

     摘要：在社會(huì)主義現(xiàn)代化建設(shè)進(jìn)程中為我國(guó)經(jīng)濟(jì)持續(xù)穩(wěn)定增長(zhǎng)提供動(dòng)力，為推動(dòng)國(guó)民經(jīng)濟(jì)持續(xù)穩(wěn)定發(fā)展發(fā)揮著重要的作用。中小企業(yè)經(jīng)濟(jì)的重要組成部分為經(jīng)濟(jì)增長(zhǎng)中做出了重要貢獻(xiàn)。但由于某些原因，使得中小企業(yè)在經(jīng)營(yíng)規(guī)模和管理等方面與大企業(yè)相比還存在一定的劣勢(shì)，中小企業(yè)只有不斷加強(qiáng)財(cái)務(wù)管理工作，加強(qiáng)資金合理計(jì)劃和利用，提高融資管理水平，才能更好地提高綜合競(jìng)爭(zhēng)實(shí)力，在激烈的市場(chǎng)競(jìng)爭(zhēng)中獲得更多的主動(dòng)優(yōu)勢(shì)。本文主要介紹我國(guó)中小企業(yè)財(cái)務(wù)管理存在的問(wèn)題,并對(duì)加強(qiáng)企業(yè)財(cái)務(wù)管理提出一些看法。 

　　[關(guān)鍵詞] 中小企業(yè) 財(cái)務(wù)管理 財(cái)務(wù)結(jié)構(gòu) 內(nèi)控機(jī)制問(wèn)題 對(duì)策 效益 

目       錄

一、引言····························································3　

二、中小企業(yè)財(cái)務(wù)管理中存在的問(wèn)題 ··································3

　�。ㄒ唬┌l(fā)展資金不足，籌集資金比較困難·······················3  

　　（二）投資能力不強(qiáng)，且具有盲目性，缺乏科學(xué)性···············3  

　�。ㄈ�）缺乏科學(xué)的管理思想和先進(jìn)的管理手段 ··················3

　　（四）片面追求高速成長(zhǎng)·····································4

　　（五）國(guó)家經(jīng)濟(jì)政策方面原因 ································4

三、解決中小企業(yè)財(cái)務(wù)管理中存在問(wèn)題的對(duì)策 ··························4

　�。ㄒ唬┘涌旖�立中小企業(yè)信用擔(dān)保體系·························4 

　�。ǘ�）對(duì)投資項(xiàng)目進(jìn)行細(xì)致的可行性論證，努力降低投資風(fēng)險(xiǎn)�！ぁぁぁぁ�4 

　 （三）增強(qiáng)對(duì)內(nèi)控制度的認(rèn)識(shí)，提高推行內(nèi)控制度的自覺(jué)性·········5 

　　(四) 建立有效可行的企業(yè)財(cái)務(wù)管理體系 ·······················5

　　(五) 優(yōu)化財(cái)務(wù)結(jié)構(gòu)，平衡高成長(zhǎng)和穩(wěn)健發(fā)展 ···················5

　  （六）盡快制定完善有利于中小企業(yè)發(fā)展的政策·················6 

四、提高中小企業(yè)財(cái)務(wù)管理水平的具體對(duì)策·····························6

        （一）探索完善的融資結(jié)構(gòu)體系，不斷拓寬融資規(guī)模·············6

（二）加強(qiáng)投資決策科學(xué)管理，有效防范各類(lèi)投資風(fēng)險(xiǎn)···········6

（三）加強(qiáng)內(nèi)部控制和審計(jì)監(jiān)督，提高財(cái)務(wù)信息化管理水平········6

五、總結(jié)···························································7