What are the problems in the financial management of small and medium sized enterprises in China? Ho

The problems existing in the financial management of small and medium-sized enterprises include financing difficulties, serious shortage of funds, backward technology, and imperfect systems.

At present, China's small and medium-sized enterprises have financing difficulties and serious shortage of funds, and the main reasons are:

First, the credit rating of small and medium-sized enterprises Qingliang is low and the credit is relatively poor. The survey shows that only the enterprises that have done the credit rating account for the proportion of those who have not done it, and the individual enterprises have withdrawn funds and defaulted on loans to a certain extent, which affects the overall image of the enterprise;

Second, the business risk of small and medium-sized enterprises is high. Small and medium-sized enterprises have a small business scale, less self-owned funds, backward technical level, unstable business performance, poor ability to resist risks, low level of financial management on slag, and lack of objectivity and transparency of information, which brings investment risks to banks and investors;

Third, there is a lack of financial institutions dedicated to serving small and medium-sized enterprises;

The four disadvantages are the lack of vitality of the banking system, the rigid mode of operation, and the high threshold for loans;

Fifth, there is no direct financing channel. At present, small and medium-sized enterprises generally raise funds by increasing equity capital and bank borrowing, and the policy does not allow the issuance of ** and bonds to raise funds.

There is a lack of scientific financial management system within the enterprise. Because a large part of the small and medium-sized enterprises are private enterprises, these enterprises are often controlled by one person or a small number of people, the subjective arbitrariness of decision-making and operation management is relatively large, and the theoretical methods of financial management lack due understanding and research, resulting in their responsibilities not being separated, acting beyond their authority, resulting in financial management chaos, lax financial control, and distortion of accounting information.

Most small and medium-sized enterprises lack a sound internal financial control system, audit system, quota management system, financial inventory system, cost accounting system, financial revenue and expenditure approval system and other basic financial management systems.

Problems and countermeasures in the financial management of small and medium-sized enterprises:

1. Strengthen the legal concept of financial personnel.

If the financial personnel do not have the concept of the legal system, then many decisions are likely to touch the law, not only to the personnel, and even the company have brought immeasurable losses, whether it is an individual, the enterprise or the country, there must be a law to follow, but also to have a law to follow.

Only in this way will we have a yardstick in mind when we do things, so an effective way to solve the low quality of financial management personnel is to strengthen their legal concept.

2. Strengthen the theoretical knowledge of financial personnel.

Knowledge determines the level of a person's ability, and if you want to become a qualified financial professional, you must have relevant accounting theory knowledge as a foundation, and also have proficient accounting practice skills.

Strengthening the business training of financial personnel can not only give financial personnel an opportunity for re-education, but also motivate financial personnel through training, and make them have a sense of social identity, so as to enhance their self-confidence and be more motivated to devote themselves to work.

3. Strengthen education and training.

Strengthening education and training is not only a matter for the state and society, but also for enterprises. For the country, it is necessary to make higher education as universal as possible, so that everyone has the opportunity to receive an education and lay a good foundation for their future careers.

To reduce the unemployment rate, for enterprises, financial personnel should also be educated and trained every year, in order to have a foothold in the rapid development of society, we must strengthen our own knowledge, for financial personnel personally, to actively absorb new knowledge, to catch up with the development of the times.

Precautions in the workplace:

Separate work and life. One of the things to keep in mind when working in the workplace is to separate work and life. The workplace is where you work, work can show the value of your life, and work can also make you happier.

So when you are working, you have to work hard. And life is your life, work and life are inseparable, but when you work in the workplace, you should separate your life, and you must not mix it up, so as not to distinguish between public and private.