浅析宁夏中小企业资金管理的现状及对策.docVIP

摘 要企业，资金管理，控制，Abstract The fund is enterprises blood, to the enterprise, the fund takes the enterprise most main link, plays the extremely vital role, the control supervisor fund was being equal to that the assurance has advocated enterprises lifeline and the survival line. To “makes big, does strongly, does superiorly” under gradually the pattern development background in Our country Enterprise, the administration of the fund questions importance appears more prominent. The current Ningxia small and medium-sized enterprises administration of the fund has many problems, therefore, this article has analyzed the Ningxia small and medium-sized enterprise administration of the fund existence question, proposed each kind of counter measures strengthen and improve the Ningxia small and medium-sized enterprise administration of the fund question by this. 【Key words】： Enterprise, administration of the fund, control, important 目 录 1 绪论…………………………………………………………………………………………1 2 资金管理相关理论简述…………………………………………………………………1 2.1 资金管理的定义…………………………………………………………………………1 2.2 资金管理的目标…………………………………………………………………………2 2.3 资金管理的方法…………………………………………………………………………2 2.4 加强现金管理的必要性…………………………………………………………………3 宁夏中小企业的资金管理现状分析…………………………………………………4 3.1宁夏中小企业的基本情况概述…………………………………………………………4 3.2 宁夏中小企业资金管理中存在的问题…………………………………………………3.2.1 对资金管理………………………………………………7 3.2.2 企业资金散乱，使用效率低下……………………………………………………7 3.2.3 财务观念淡薄，投资决策失误………………………………………………………7 3.2.4 营运资金管理缺乏科学性，多以经验控制…………………………………………8 3.2.5 资金的投放与使用缺乏科学论证与风险监控……………………………………8 3.2.6 资金监控不力………………………………………………………………………8 3.3 宁夏中小企业资金管理……………………………9 3.3.2 企业自身的不足是中小企业融资难的重要因素…………………………………9 4 加强与完善资金管理的对策…………………………………………………………………………………………………………………………………10 4.2 合理确定筹资方案，保持合理财务杠杆………………………………………………10 4.3 加强现金流分析，严格控制现金流……………………………………………………10 4.4 加强资金管理，加速资金周转…………………………………………………………11 4.5 提高投资报酬，降低投资风险…………………………………………………………11 4.6 加强运营资金管理，提高资金利用效果………………………………………………11 4.7 加强内部审计，健全内部审计监督制度………………………………………………12 5结论…………………………………………………………………………………………12 参考文献………………………………………………………………………………………13