Financial work requires employees to be careful and professional. It really takes patience to learn financial knowledge well. The following is a summary of my financial study, I hope it will be useful to you.

Overview of Financial Learning Part I

Time flies, and a semester's study will be over in a blink of an eye. First of all, I have to say that I like the teacher's teaching methods very much. The classroom atmosphere is relaxed and active. The teacher's lectures are easy to understand and have a wide range of knowledge, and most of them are combined with reality, which leads us to analyze some current economic phenomena from our own perspective and cultivate some concepts of personal finance. In addition, I also appreciate the teacher's teaching philosophy-think what students think and what students need. I really hope to have the opportunity to continue studying with my teacher in the future.

Before studying financial management this semester, we have studied some basic courses of economic management, such as economic law, statistics, accounting foundation and so on. With this knowledge as the foundation, I have a vague concept of financial management before studying this semester, and know that financial management, as a management activity, has its important guiding significance for both an enterprise and an individual. However, after studying system theory this semester, I have a clear context, and it is clear that financial management is a comprehensive management work for enterprises to organize financial activities and deal with financial relations. In the course of this semester's study, the teacher comprehensively and systematically expounded the basic theories and practical methods of financial management, taking financial management objectives as the guide, taking the time value and investment risk value of money as the basis, taking financing decision, investment decision and income distribution as the basic contents, and taking financial prediction, decision-making, planning, control and analysis as the basic links and methods. By reviewing the knowledge and personal understanding I have learned this semester, I have come to the following conclusions: First, I realize that financial management is an integral part of enterprise management and permeates all fields and links of the enterprise. It is an economic management work and a fundamental guide to financial management activities. In the course of business,

We should organize financial activities and handle financial relations in accordance with financial laws and regulations and financial management principles. Financial management is also directly related to the survival and development of enterprises. In a sense, financial management is the key to the sustainable development of enterprises. For example, the rationality of enterprise financial management will urge enterprises to strengthen management and accounting, improve technology, improve labor productivity and reduce costs, thus contributing to the rational allocation of resources and the improvement of economic benefits. From the long-term development of enterprises, systematic and effective financial management is the maximization of enterprise value. Secondly, I know that the content of financial management mainly includes financial activities and financial relations. The financial activities of an enterprise include a series of behaviors such as investment, fund operation, fund raising and fund distribution. Enterprise funds are invested in investment activities, capital operation activities, fund-raising activities and distribution activities, and have extensive financial relations with all aspects of the enterprise.

These financial relationships mainly include the following aspects: the financial relationship between enterprises and investors; Financial relationship between enterprises and creditors; The financial relationship between the enterprise and the recipient; The financial relationship between the enterprise and the debtor; Financial relations between enterprises and suppliers, enterprises and customers; The financial relationship between the enterprise and * * * *; The financial relationship between various units within the enterprise; Financial relationship between enterprises and employees. The link functions of financial management mainly include: financial planning and forecasting, financial decision-making, financial budget, financial control, financial analysis, performance evaluation and encouragement. Its core is financial decision-making, and financial forecast serves financial decision-making. The success of decision-making is directly related to the success or failure of enterprises.

The specific summary is as follows: 1. To understand the operating conditions of a company, we should focus on mastering one statement: namely, financial report, including accounting statements, notes to accounting statements and financial statements; Two groups of words: words that reflect the state of the enterprise at a specific time, including assets, liabilities, shareholders' equity, etc., and words that reflect the operation of the enterprise in a certain period, including income, expenses, profits, etc. Three statements: balance sheet, income statement and cash flow statement. Second, the balance sheet reflects the current situation of the enterprise, that is, the current health status of the enterprise; The income statement reflects the past of the enterprise. The cash flow statement looks forward to the future of the enterprise. The third is to "look at and pay attention to the balance sheet". The third look is mainly: look at the changes in assets and find out the reasons for the changes; Second, look at health, such as whether the debt ratio is high and whether the short-term solvency is strong; Third, looking at a real enterprise, the profit can be calculated and calculated. Pay attention to three points: first, we should pay attention to the fact that the assets in the table represent history, and history does not represent reality; Second, it should be noted that the liabilities on the balance sheet may be risks, while the "contingent liabilities" off the balance sheet may be greater risks; Third, it should be noted that the assets in the table are the resources of the enterprise, but they do not represent all. Intangible assets such as brand, marketing network and human resources cannot be reflected in the table.

Fourth, we should look at the income statement "five times": look at the results; Second, look at the structure; Third, look at the results: pay attention to three aspects: financial results, market performance and basic business activities; Fourth, look at the problem: profitability, including sales gross profit margin, main business interest rate, net sales interest rate, return on total assets, return on net assets and other indicators; Fifth, look at the influence of human factors on the calculation results, such as cost carry-over method, depreciation calculation method and expense amortization method. Fifth, pay attention to cash flow. For business owners, cash is the "blood" of the enterprise; For financial personnel, cash is monetary funds, including cash on hand and bank deposits, other monetary funds and cash equivalents. Sixth, an important function of formulating management system is to prevent good people from going bad and to let bad people have no chance. Past experience is not necessarily a good medicine. We must realize that every decision is not to repeat the past, but to create the future, and the mindset will always exist. We need to constantly break it and overcome it. After a good start, we still have to work hard to ensure the correct decision, in order to achieve greater success.

Finally, I think financial management is an important tool for enterprises to change from experience management to scientific management. Just like the old story about putting wheat grains on the chessboard. Chess has 8864 squares. If you don't count, who knows that from the beginning, if you double it every time, the final square will be astronomical. The same is true of financial management, so whether it is work or life, you don't manage money, and money ignores you. This is a good example! Through the study of financial management this semester, I not only have a certain understanding of the definition, content and function of financial management, but also have a deeper understanding of the objectives, significance and means of financial management, but I know that this is far from enough. This knowledge is only theory, and only when it is applied to practice can it play its important role. However, this learning process has helped me to establish the concept of financial management, deeply understand the time value of money, and form the habit of paying attention to hot economic current affairs, which is my greatest gain. I believe that in the future study, work and life, the knowledge I have learned will definitely play its practical significance! Chapter II: Experience of Financial Knowledge Training Experience of Financial Knowledge Training-Knowledge changes fate, learning creates the future September 18,

The group company organized all financial personnel for a two-day training, and the two-day financial knowledge training has ended. Although the time is not long, I have gained a lot more in these two days than I expected. I have also studied professional financial knowledge before, but my understanding of finance is limited to accounting. Through this training, I have a new understanding of finance and a deeper understanding.

Overview of Financial Learning Part II

Financial management is the fundamental guide for enterprises to engage in financial management activities. Through the study of financial management, I have a deeper understanding of the objectives, significance and means of financial management, and also let me deeply understand the great significance of strengthening internal financial management in enterprises under the new situation.

Internal financial management is the core link of enterprise management. On the basis of full understanding, enterprises should take measures to establish a perfect internal control mechanism, form a full-staff, whole-process and all-round management and control network based on corporate governance structure, do a good job in controlling and managing capital flow, logistics and information flow, prevent and reduce financial risks, promote the fundamental transformation of enterprise economic growth mode and improve economic benefits. To sum up, there are mainly the following points:

First, straighten out the financial organization structure

The quality of enterprise's control over various economic activities depends on whether its organization is effective. The organizational structure of an enterprise is both changeable and relatively stable. Enterprises should decide the appropriate organizational system according to their own business scale, internal conditions and financial strategy, so as to improve the efficiency of financial management, make full use of enterprise resources, reduce internal friction and organizational costs, and maximize economic benefits and enterprise value. Enterprises should combine their own corporate governance structure, production and operation characteristics and regional distribution, determine a reasonable organizational structure, implement scientific post division, strict post setting and strict authorization management, establish a clear responsibility system, and ensure the effective implementation of internal financial control.

Second, the implementation of comprehensive budget management

Implementing budget management in enterprises is an important means to improve the overall management level of enterprises. The core of budget management is to arrange and plan the future behavior of the enterprise in advance, allocate, assess and control various resources of various departments and units within the enterprise, so that the enterprise can act according to the set goals and effectively realize its development strategy. Budget management should be based on the scientific prediction of the market and the premise of profit target, and comprehensively do a good job in sales budget, procurement budget, expense budget, cost budget, cash revenue and expenditure budget and profit budget, so that the production and operation of enterprises can be carried out scientifically and reasonably along the track of budget management. After the annual budget is compiled, it is decomposed into monthly budget according to the actual situation, and the monthly economic activities are analyzed to find out the problems and weak links in production and operation, which is also convenient for taking corresponding countermeasures. In this way, we can always grasp the artery of the enterprise's annual profit target, find the shortcomings, improve in time, and improve the management level of the enterprise.

In view of the scientific, mandatory and incentive mechanism of comprehensive budget, the implementation of comprehensive budget can greatly improve the management level of enterprises, enhance their competitive advantage and promote their development and efficiency.

Third, enhance the awareness of preventing financial risks.

The market has always had both opportunities and risks. The caution of low risk and low return and the temptation of high risk and high return often make enterprises face a dilemma when making decisions. Risk management is particularly important. It is the common pursuit of modern enterprises to fully measure the degree of risk, combine their own tolerance, weigh the gains and losses through comparative analysis, choose the best scheme, and obtain greater benefits with less risk. However, it should be noted that before making a decision, a series of prevention, preservation and compensation measures should be formulated for different risks, so that enterprises will not panic and be helpless when risks appear.

Fourth, strengthen the quality construction of enterprise financial personnel.

Financial management has strong professionalism, technicality, comprehensiveness and transcendence. Modern enterprises must improve the adaptability and innovation ability of financial personnel. Therefore, the quality of financial personnel directly affects the quality of enterprise financial management. Strengthening the quality construction of financial personnel is the key to improve the level of financial management. Enterprises should regularly organize the training and study of financial personnel, establish the business assessment mechanism and reward and punishment system for financial personnel, fully mobilize the enthusiasm of financial personnel, and effectively strengthen the financial management of enterprises.

Fifth, establish a scientific financial evaluation index system.

Without a complete and scientific evaluation index system, it is difficult to judge the quality of enterprise management. Modern enterprises must establish an evaluation index system that can reflect both the profitability of enterprise assets and the profitability of enterprise assets, and combine absolute indicators with relative indicators to comprehensively evaluate the operating performance of enterprise operators. It is necessary to closely combine the actual production and operation of enterprises, formulate a scientific and reasonable financial index plan covering all aspects of production and operation, implement dynamic management, and timely feedback the performance evaluation to the executive department of reward and punishment decision-making, as an important basis for the internal human resources management of enterprises, strictly assess and promote the sustained and rapid development of enterprises.

Promoting enterprise financial management informatization

To strengthen and improve enterprise management, we should have new ideas and methods. In view of the main problems existing in the centralized management, supervision and control of enterprise financial funds, we should start with strengthening the informatization of enterprise financial management, vigorously promote the use of computer network technology and unified financial management software, so as to strengthen and improve enterprise financial management and promote management innovation. Therefore, the application of unified computer financial management software to realize the integration of financial information and business processes, and then gradually introduce, digest, develop and use international advanced ERP system software is the trust within enterprises.

The basic direction of information development. Enterprises should actively introduce, develop and use unified financial and business integrated management software according to the actual situation, gradually realize the integration of information flow, logistics and capital flow and information sharing in the whole process of production and operation, and ensure the standardization and efficiency of financial management such as budget, settlement and monitoring of enterprises.

In short, China's socialist market economic system is still in the stage of gradual establishment and perfection, and the modern enterprise system, as an important part of it, is constantly being explored and practiced, which determines that enterprise financial management should be constantly adjusted and explored to adapt to the new situation, so that financial activities can effectively and fully reflect, supervise and standardize business activities and promote the further improvement of enterprise economic benefits. Only by further strengthening internal financial control can we promote the overall improvement of management quality and level, continuously enhance the core competitiveness of enterprises, meet the challenges of international competition after China's entry into WTO, and make enterprises invincible.

Overview of Financial Learning Part III

In February, the company's financial manager organized our regional financial personnel to participate in the centralized study of accounting and standardized management of original documents in the real estate industry. Through learning, our financial personnel's horizons have been greatly broadened and their professional level has been improved. My study of accounting has the following experiences:

1, through concentrated study, I have a deeper understanding of financial accounting standardization.

Through concentrated study, I deeply understand what accounting is. Accounting is not only a profession, but also a care+patience+sense of responsibility. At the same time, I also realize that being a qualified accountant is not as easy as I thought before. The most important thing is to be meticulous and rigorous.

2. Through concentrated study, I deeply understand that the requirements of accounting are very high, and there is no room for carelessness. If you make a mistake in the accounting, it will be very troublesome to revise it. A mistake may lead to mistakes in the following steps, so care in accounting work is particularly important. From making accounting entries at the beginning, to registering vouchers, to closing accounts, reconciliation, making statements, binding and so on, we can really understand what accounting is only after experiencing the ups and downs.

3. Through concentrated study, I deeply realized that financial work is relatively a job with less sense of accomplishment, because its pay and return are not very matched. You can feel what you pay, but you can't feel the return-company financial person

Librarians often work late, but if someone asks you what you have done, you will find it difficult to answer anything. Because you said it, others may not understand it! The salesperson can say how many houses I sold this month and how much money I received, but what about our financial staff? Can you say that the report was successfully completed? Therefore, doing this job often requires a lot of determination. In addition to going out to contact business, the rest of the time is to sit down and check, but also to endure loneliness!

Through concentrated study, I realize that financial work is not only busy but also time-tight, so doing accounting work well requires a strong sense of responsibility! There are not too many people in the company's finance department, but there are many things to deal with. There is a saying that the fairness of being late is unfair, and similarly, the financial statements that are late are meaningless. If it took you 1 month to get the report of last month, or submit the analysis report, although it is very informative and accurate, it will not help the business! This is why so many financial personnel often work overtime and are in a hurry. A good financial officer often needs to give full play to his professional talents and wisdom in obscure ordinary work, which can not only manage wealth for enterprises, but also create wealth for enterprises.

Although there is pressure in financial work, as long as we study hard and work hard, I think this pressure will become the driving force for doing this job well, so that we can make achievements in financial work and contribute to the future development of the company.