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With the rapid development of China's economy, the use of financial software by small and medium-sized enterprises has increased significantly compared with before. However, there are still many problems in the use of financial software. Enterprises and managers should use financial software correctly and reasonably to effectively avoid financial risks. This paper adopts the method of integrating theory with practice, starts with the problems existing in the financial software of small and medium-sized enterprises, and comprehensively controls the financial risks, focusing on the country, financial institutions and enterprises themselves, and studies the methods of controlling their financial risks, so as to provide some suggestions and references for the effective use of financial software by small and medium-sized enterprises.

Keywords: small and medium-sized enterprises; Financial software; Financial management; Problems and strategies

1. Information about SMEs and financial software in China.

Definition of Small and Medium-sized Enterprises in China

Small and medium-sized enterprises in China refer to enterprises established in People's Republic of China (PRC) according to law, which are conducive to meeting social needs, increasing employment and conforming to national industrial policies. The scale of production and operation belongs to small and medium-sized enterprises of various ownership and forms.

1.2 Relevant information involved in the use of financial software

The rapid development of modern information technology, the improvement of managers' requirements for the quality of financial management and the complexity of accounting work have promoted the emergence and development of financial software, which has a positive role in promoting accounting and financial management of small and medium-sized enterprises. With the improvement of electronic information technology, an accounting information system based on information infrastructure has emerged, which consists of information processing equipment, personnel and operating procedures, and financial software is its core part. Therefore, the application of financial software and the establishment of accounting information system are interdependent.

2. The present situation of financial software at home and abroad and the advantages that can be used for reference.

2. 1 Status and advantages of foreign financial software

2. 1. 1 The development of foreign financial software has facilitated the audit work. Foreign financial software generally makes two-way inquiries in the order of original voucher-journal-general ledger-report, and can leave records when processing financial software data. After that, as long as you query the relevant information, you can know when, where and what changes have been made by the same business operator. If any changes are made in a certain place, such as data information or operation steps, there will be traces, which provide clues and convenience for the audit work. China's financial software can learn from this advantage, and whether the software has the function of fully retaining and auditing clues is regarded as a key point in the selection of financial software. This function can reduce the occurrence of favoritism and malpractice in enterprises, which is of great significance to the development of enterprises themselves and the national economy.

2. 1.2 Foreign financial software pays more attention to internal control function. Foreign software pays more attention to internal control functions including communication, supervision, control environment, risk assessment and control activity information. When designing financial software in China, we should learn from foreign development paths, take its essence and discard its dross, and we should not blindly follow suit. We should comprehensively consider China's economic situation, independently innovate financial software that meets the actual needs, and learn more advanced financial concepts, so that China's accounting software can develop better and small and medium-sized enterprises can play their due economic vitality.

2.2 the status of domestic financial software

In recent years, not only China's economy has developed rapidly, but also electronic information technology and various technical software, among which Internet technology is the fastest, which facilitates the sales of financial software. At present, more and more enterprises use financial software, but the knowledge reserve and operation level of financial software are unbalanced. Although the number of domestic financial software is not small, it lacks advantages compared with foreign countries, and its financial strength cannot compete with foreign countries. With the development of enterprise management modernization, the demand for financial software will only increase rather than decrease, which is both an opportunity and a challenge. China's financial software industry should analyze the situation, constantly strengthen itself, and form the unique advantages of China's software to resist external shocks.

3. Problems in the use of financial software for SMEs in China.

3. 1 Failure to reasonably select financial software suitable for the enterprise's own development.

Financial software plays an important role in enterprise financial management, but the premise is that small and medium-sized enterprises should clearly understand their own needs and choose appropriate financial software according to the needs of enterprises. Some small and medium-sized enterprises unilaterally pursue accounting function when choosing financial software, ignoring the importance of analysis function, which leads some units to give up analysis function and adopt traditional manual analysis method. There are also some small and medium-sized enterprises that blindly choose financial software without considering the particularity of their own enterprises, which makes financial software lose its use significance.

3.2 The cost of general financial software is high, and the use of small and medium-sized enterprises is limited.

The scale of small and medium-sized enterprises is different from that of large enterprises, and their development in all aspects has limitations. The scale is very small and the capital turnover speed is relatively slow for large enterprises. The price of financial software includes the software itself, as well as the price of database and after-sales and one-time development, which is relatively high. If SMEs invest in financial software, the funds that can be invested in other aspects will be greatly reduced. Small and medium-sized enterprises tend to operate manually after considering cost-benefit and return on investment, and the cost of manual operation is lower.

3.3 unreasonable institutional setup and low personnel quality

Personnel quality includes moral quality and professional quality. In the process of informatization development of small and medium-sized enterprises, some financial personnel are worried that the implementation of financial software management system in enterprises will bring strict system management and affect some interests of enterprises, so they will try their best to be opportunistic. On the other hand, small and medium-sized enterprises lack corresponding financial software management professionals. Some financial personnel recruited by small and medium-sized enterprises do not have a thorough understanding of financial software, and their knowledge reserves are not in place, and most of them are short-term training personnel. Not only can they not make good use of financial software for daily financial accounting, but they also ignore other important functions of financial software.

4. Rectification measures and suggestions

Starting from the problems existing in the use of financial software in small and medium-sized enterprises, this paper seriously thinks about how to make good use of financial software, so as to improve the informatization of enterprises and help small and medium-sized enterprises develop better.

4. 1 Select financial software correctly and strengthen communication and cooperation.

There are many kinds of financial software on the market at present. Small and medium-sized enterprises should fully consider their own needs when choosing, and make choices according to the scale, characteristics and development prospects of enterprises. Financial software is different from other software, it can't be used without post-maintenance, and it needs the technical support of developers. Good cooperation can save some trouble. Small and medium-sized enterprises can regularly go to software companies for training, learn to master the operation process of financial software, and find problems and accumulate experience through practical operation. Maintain a good cooperative relationship with developers, and pay the financial software fees in installments to ease the pressure of capital flow of SMEs.

4.2 Strengthen the cultivation and introduction of professionals

If small and medium-sized enterprises want to carry out the informatization of financial software management, they must first start with the quality concept of personnel. Only by changing their ideas can employees use financial software reasonably and effectively with a positive attitude. Leaders must attach importance to the informatization of financial software management, and can establish an incentive mechanism to mobilize enthusiasm, so that employees can fully realize the importance of financial informatization to their own development and the future development of enterprises.

4.3 Increase government policy support for small and medium-sized enterprises

For the accounting informatization construction of small and medium-sized enterprises, the strong support of the government is tantamount to icing on the cake. Take certain preferential policies in purchasing financial software, such as tax relief. Encourage small and medium-sized enterprises to adopt advanced financial software in their actions. We can also appropriately give preferential tax policies to financial software development companies, and teach relevant knowledge about the use of financial software to small and medium-sized enterprises regularly or irregularly, so that small and medium-sized enterprises can not only use financial software, but also make full use of various functions of financial software, thus standardizing the financial management of enterprises.

5. Conclusion

The application of financial software has played a positive role in small and medium-sized enterprises. Although there are some problems, there are advantages and disadvantages, so we should treat the problems dialectically. Financial managers should also adapt to the requirements of the times and update their financial management concepts. Small and medium-sized enterprises should choose appropriate financial software according to their own development and future development plan, and fully understand the functions of financial software.

Step 6 refer to

[1] Yang Xu. Application of financial software in accounting [J]. Electronic Technology and Software Engineering, 2017 (17): 71.

[2] Han Yifei. Research on the present situation and countermeasures of accounting informatization in small and medium-sized enterprises [J]. Modernization of shopping malls, 2018 (17):135-136.

[2] Yu Kaiyue. Comparative analysis of computerized accounting and manual bookkeeping [J]. Cooperative Economy and Technology, 2017 (2):164-165.

[2] Gu Yuxian. Research on Financial Information Management of SMEs [J]. Business Daily, 2019 (6):101.

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