中小企业财务危机的成因及对策分析

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一、企业财务管理存在的问题···················································································2

（一）、管理观念陈旧·································································································2

（二）、抵御风险的能力弱·························································································2

（三）、财务管理工作不够重视·················································································2

二、企业财务危机的成因分析···················································································2

（一）人才的储备匮乏·······························································································2

（二）、企业的资金结构不合理·················································································3

（三）、营运资金流动性较差·····················································································3

（四）、企业公司内部的控制制度不够健全·····························································3

（五）、企业外部环境的变化·····················································································3

三、促进企业财务危机对策分析···············································································3

（一）、培养和吸收财务专业的管理人才·································································3

（二）、实施资本结构的动态管理·············································································4

（三）、加强营运资金管理确保资产的流动性·························································4

（四）、完善中小企业的内部控制制度·····································································4

（五）、改善企业的外部环境···················································································· 5

参考文献······················································································································6

一、企业财务管理存在的问题

（一）、管理观念陈旧

1、现在太多企业的管理者思想观念陈旧，不能与时俱进，作为一个管理者的角色很重要，如果不能及时的安排任务，不能很好的理解市场和充分估计到市场的竞争残酷，等到出现问题再做处理的话，这恐怕是作为一个管理者绩效最差的，最严重的问题所在。

2、由于观念与学习跟不上，工作缺乏热情，更让管理者的工作技能在快速发展的竞争环境大大减弱，这样就造成了管理者无法在指导帮助自己的员工进步，不能很好的授权和沟通，造成了管理者和员工的工作质量大大下降。