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

Business model rigidity, management concepts outdated Small and medium-sized enterprises in a considerable part of the individual, private nature, due to historical and social reasons, the management ability of business managers and management quality is low, management ideas backward. Some business managers based on their own quality limitations, do not know how to incorporate financial management into the effective mechanism of enterprise management, the lack of modern financial management concepts, so that financial management has lost its due status and role in enterprise management. Further, the typical management mode of small and medium-sized enterprises is the high degree of unity of ownership and operation, the investors of the enterprise is the operator at the same time, this mode is bound to bring negative impact on the financial management of the enterprise. In these enterprises, the enterprise leader centralization phenomenon is serious, resulting in its responsibility is not divided, act beyond the authority, resulting in financial management confusion, financial monitoring is not strict, accounting information distortion. Enterprises do not have or can not establish an internal audit department, even if there is also very difficult to ensure the independence of the internal audit.