An enterprise is inseparable from the support of funds in the development process, so it is necessary to make reasonable planning for financing management to improve the financing ability of the enterprise. At present, enterprise financing has the characteristics of long capital demand and large capital demand, which is a problem that needs to be solved in enterprise financing management.

◆ Financing behavior is not standardized, and there is blindness

Enterprises often choose loans for financing, and enterprises often make some cross-industry and cross-regional investments, so they will go to local banks for financing, which will produce excess financing and lead to confusion in the capital structure of enterprises. At the same time, in today's economic and cultural diversification, enterprises often forget the hidden risks behind the opportunities when facing opportunities, which is manifested in a rush for quick success and quick profit, to see which industry is developing well, without considering the actual situation of the enterprise, immediately carry out large financing, blindly expand production, and eventually lead to oversupply, unsalable products, so that enterprises suffer huge economic losses, capital turnover difficulties and a series of problems.

◆ The financing structure is unreasonable and the channel is single

At present, what is needed in the market is high-tech equipment and high-quality talents, but the introduction of equipment and training of talents requires a lot of manpower and material resources, which is also the main direction of the use of enterprise funds. Enterprises need a large amount of financing in order to have these funds, and the financing method of enterprises is mainly endogenous financing, which is far from meeting the needs of production development, while the external financing needs high conditions and long time, which to a large extent limits the source of funds of enterprises and hinders the development of enterprises. And the equipment installation of enterprises, personnel training in the middle and late stages of enterprise development can be realized, many enterprises in order to achieve these achievements in advance, do not hesitate to blindly expand the scale of production, reduce costs, improve production efficiency, do not consider the market demand and product quality, resulting in the weakening of enterprise competitiveness, inventory backlog. However, if the enterprise does not update the equipment and talents, and blindly produces similar products, it will also cause such a phenomenon. Therefore, at present, many companies urgently need to jump out of this vicious circle and take on a new look.

◆ Managers lack risk awareness when financing

Financing is inevitable when enterprises carry out production and operation, develop new products and other activities, and managers play a very key role at this time. Some managers have weak knowledge of financing and are not aware of the risks associated with financing, so they just blindly pursue the expansion and development of enterprises, and at the same time use a variety of financing means to expand capital reproduction, ignoring cash risks and return risks, which bring many problems to enterprises. For example, when encountering risks, enterprises cannot take effective measures to prevent and control risks, and cannot form a capital chain.