1、 摘 要 中小企业是我国国民经济的重要组成部分，对经 济发展和社会稳定起着举足轻重的促进作用。随着我国市场 经济不断成熟和全球经济一体化的日益深化，财务管理在中 小企业的地位越来越突出。但随着我国中小企业不断发展壮 大，财务管理成了制约中小企业继续生存和进一步发展的瓶 颈，并使中小企业的日常经营管理面临财务风险。所以，投 资者和管理者应更加注重和协调中小企业的财务管理，在优 化财务管理工作的基础上达到可持续发展的目标。本文分析 了我国中小企业财务管理存在着财务管理工作基础薄弱、资 金匮乏、投资行为不科学、缺乏有效的内部控制和管理方法 落后等诸多问题，这些问题严重影响了中小企业的生存和发 展。为
2、此，本文相应提出包括加强财务管理基础工作、提高 投资决策科学性、扩大融资渠道、建立健全内部控制制度和 改善经营模式等一系列解决中小企业财务管理问题的行之 有效的解决方案，促使中小企业不断完善财务管理机制，不 断提高经营管理水平，更好地发挥中小企业在我国国民经济 中的“顶梁柱”作用。关键词：中小企业，财务管理，问题， 研究，对策注：本论文题目来源于生产实际。 Abstract SMEs are an important part of our national economy which plays an important role inpromoting economic developme
3、nt and social stability. As Chinas market economy continuesto mature and the deepening global economic integration financial management more andmore prominent position in the SME. But with the continued development and growth ofSMEs financial management of SMEs to survive and become the constraints
4、hampering thefurther development and make the daily management of small and medium financial risks.Therefore investors and managers should pay more attention to and coordination of financialmanagement of SMEs in the optimization of the basis of financial management to achievesustainable development.
5、 This paper analyzes the financial management of SMEs in Chinathere is a weak foundation for the work of financial management capital scarcity unscientificinvestment the lack of effective internal control and management methods behind so manyproblems serious problems affecting the SMEs survival and
6、development. This paper topropose a basic work including strengthening financial management improve investmentdecision-making science expand financing channels to establish a sound internal controlsystem and improve the business model and a series of small enterprises financialmanagement issues and effective solutions to promote SMEs continue to improve thefinancial management system continuously improve the management level to better helpSMEs play in our national economy quotbackbonequot role.K
