摘要财务管理在我国有着举足轻重的地位，从微观层面上来看，它对于中小企业来说是不可或缺的一个重要组成部分，从宏观层面上来看，财务管理更是在我国经济运行过程中扮演着重要的角色。财务管理受限于发展时间比较短的原因，目前在我国中小企业的整体发展和运用情况还未进入成熟阶段，所以发展过程中存在着众多的问题，当前我国企业由20世纪80年代发展至今，已经经历过了诸多的时间，在我国国民经济中有着难以替代的重要地位，也是我国市场经济中的重要力量。但是由于受到多方面因素的影响，我国中小企业的财务管理现状不容乐观，与企业的发展速度存在不均衡现象，严重影响着企业的进一步发展与壮大，所以本文在此背景下分析探究中小企业财务管理过程中存在的不足之处，并且提出如何有效解决中小企业的财务管理问题，以期能够为其他中小企业进行财务管理提供参考。关键词：中小企业；财务管理；问题；解决对策AbstractFinancial management plays a pivotal role in China.From the micro level,it is anindispensable and important part for small and medium-sized enterprises.From the macro level,financial management plays an important role in China's economic operation.Financialmanagement is limited by the cause of the development time is shorter,at present in our country,the overall situation of development and application of small and medium-sized enterprises havenot yet entered the mature stage,so there are many problems in the process of development,thecurrent our country enterprise by the 1980 s development up to now,has experienced a lot of time,in our country has irreplaceable important position in national economy,and an important forcein the market economy in China.But due to the influence of various factors,the small andmedium-sized enterprise financial management present situation is not optimistic in our country,with the development of the enterprise speed is uneven phenomenon,seriously affecting thefurther development of the enterprise and development,so in this background,this paper analysesthe exploration process of small and medium-sized enterprise financial management deficiency,and puts forward how to effectively solve the problem of small and medium-sized enterprisefinancial management,in order to provide reference for other small and medium-sized enterprisefinancial management.Key words:small and medium-sized enterprises,financial problems,solving countermeasures目录第一章引言…1第二章中小企业的总体概况...22.1中小企业的定义及界定..·22.2中小企业目前的经营特点....2第三章中小企业财务管理存在的主要问题..·.33.1外部环境产生的问题..34第四章中小企业财务管理产生问题的原因884.1.2政府监督和社会监督缺位...84.1.3资金短缺，筹融资能力差....88第五章解决中小企业财务管理问题的对策..·105.1建立良好的外部环境105.2加强自身内部的财务管理.·111313136.3公司对于财务管理所存问题的解决对策....14结束语15参考文献…16致谢…173