中小企业财务管理存在的问题及对策

内 容 摘 要

改革开放30多年来，我国经济能够保持快速持续发展，中小企业起到了十分重要的作用。但是中小企业发展过程中遇到的融资困难，已成为制约其发展的最大瓶颈。中小企业的健康发展，不仅关系到充分就业与社会稳定，还关系到经济能否持续健康发展。因此，帮助中小企业拓展融资渠道，破解中小企业融资难题，是促进中小企业发展的当务之急。如果不能拓展其融资方式和渠道，现有的增长速度将不可持续，企业的竞争、发展也难以实现。本文通过分析目前我国中小企业融资的现状，论述了我国中小企业融资难的各种原因，最后对缓解我国中小企业融资难的问题提出了各种对策和建议。

[关键词]：中小企业，融资，体制，改革

目       录

基本概念························5

中小企业的概念··················································5

企业融资的概念··················································6

中小企业融资现状分析············6

中小企业对融资的需求············································6

中小企业融资现状分析············································7

外源融资状况··················································8

内源融资状况··················································8

中小企业融资存在的问题··········9

外部环境因素····················································9

政府机制因素··················································9

法律体系因素··················································9

信用体系因素··················································10

金融机构因素··················································10

内部自身因素····················································10

企业管理制度问题·············································10

企业竞争力问题···············································11

企业管理人员问题·············································11

中小企业融资解决对策···········11

政府加强扶持力度···············································11

健全完善法律体系···············································12

加快建立信用担保体系···········································12

完善金融机构信贷体系···········································12

拓宽企业融资渠道···············································13

改善企业自身不足···············································14

五、致谢···························15

六、文献