Financial management is an embarrassing problem for many college students when they start their own businesses. The following are college students' entrepreneurial finance papers, welcome to refer to!
Abstract: With the slogan of "mass entrepreneurship and innovation" put forward, college students' entrepreneurship is no longer an unreachable dream, but an immediate fact. Many college graduates choose to start businesses during their internship and graduation, which is not only a challenge to college students, but also a response to existing national policies. Under the trend of college students' self-employment, if we can handle the financial management problems during the period of entrepreneurship and master the financial data of enterprises, we can occupy a place in the wave of self-employment.
Keywords: college students; Entrepreneurship; financial management
In recent years, the employment competition of college students is fierce, and it is becoming more and more difficult to find a job. This is an indisputable fact. With the slogan of "mass entrepreneurship and innovation" put forward, college students' entrepreneurship is no longer an unreachable dream, but a fact within reach. Many college graduates choose to start businesses during their internship and graduation, which is not only a challenge to college students, but also a response to existing national policies. Under the trend of college students' self-employment, if we can handle the financial management problems during the period of entrepreneurship and master the financial data of enterprises, we can occupy a place in the wave of self-employment. Only when financial management is scientific and standardized can enterprises develop smoothly.
First, college students encountered in the process of financial management problems
1. Lack of funding sources
In the early days of starting a business, college students have no fixed assets in their lives, no credit in the bank and no social circle. Therefore, most of the start-up funds for their start-up enterprises are money saved by their own work, money from their parents or money borrowed from relatives and friends. Their sources of funds are simple, and their capital investment is not large. These entrepreneurial enterprises often die because of lack of funds at the beginning of their business. Among these enterprises started by college students, there are many enterprises with prospects and scientific and technological innovations, but the lack of funds has limited the development and growth of enterprises.
2. Lack of professional knowledge in financial management.
College students are generally active in thinking, pioneering and innovative, and have a lot of scientific and cultural knowledge, so the success rate of college students' self-employment should be relatively high. However, some of them, due to the lack of financial management knowledge, faced with serious financial problems in the initial stage of starting a business, and even failed to start a business. When facing the problem of starting a business, college students mostly consider the operation and sales of enterprises, but few people pay attention to the importance of financial management in the stage of starting a business. Whether an enterprise has financial management professionals is an important factor for its entrepreneurial success.
3. Weak financial awareness
At the beginning of college students' entrepreneurship, the scale of enterprises is small, and many college students manage, market and start their own businesses. Therefore, in terms of financial management, college students use the most primitive and simple methods to keep accounts, and their financial awareness is weak. Such enterprises will face many financial risks and increase the probability of enterprise failure.
4. Risk enterprises lack a sound financial management system.
Most of the enterprises and companies started by college students are self-funded. Although they began to pay attention to team consciousness and have the spirit of cooperation, their social experience and experience are insufficient after all. Many enterprises are often unable to hire professional financial managers to engage in financial management at the initial stage of their business, let alone financial management systems, because of limited funds. Even if some college students attach great importance to financial management, they are often overwhelmed and have no energy and financial resources to talk about financial management system. In this case, the financial management of the enterprise is to cross the river by feeling the stones, which invisibly increases the financial risk of the enterprise.
5. Lack of feasible market research
Many college students have done some market understanding and research in the early stage of starting a business. However, due to the lack of systematic understanding of the market, the understanding and research on it are often one-sided and lack of operational feasibility. Most college students have the following problems: (1) The feasibility of starting a business plan is not strong. When college students start a business, they often have certain ideological misunderstandings due to the lack of feasible market research, which leads to investment failure and enterprise closure. (2) College students lack awareness of investment risks. In the rapidly changing market, because of the lack of risk awareness, they can't avoid risks well, which makes them encounter strong setbacks in the early stage of their business and affects the smooth development of enterprises.
Second, how to strengthen enterprise financial management and create maximum economic benefits
1. Strengthen the subject consciousness and attach importance to financial management.
There is an old saying called "Enemy at the Gates, grain and grass come first". In enterprises, finance is the food and grass for enterprises to maintain good operation. Therefore, it is most important for college students to put the financial management of enterprises in the first place before starting a business. To maintain a good sense of enterprise financial management ideologically, only in this way can we occupy a place in the unpredictable market.
2. Strengthen the financial management professional knowledge reserve.
Most college students are amateurs in financial management, so they need to further study the professional knowledge of financial management. You can learn relevant financial management knowledge through the school entrepreneurship guidance center and improve your financial management ability in various ways. At the same time of self-study, we can also improve the financial management level of enterprises through other ways, such as hiring accounting majors to start businesses together and hiring financial management talents.
3. Standardize the enterprise financial management system
Enterprises must have a standardized financial management system if they want to maintain a good operating state. A series of financial management problems such as revenue and expenditure, reimbursement system and cost accounting of enterprises are managed and counted by financial departments or professional departments. Only by regularly reporting the financial situation and budget of the enterprise to the competent leaders of the enterprise and analyzing the financial problems encountered by the enterprise can the enterprise be in an advantageous position in the competition and not be eliminated.
4. Increase the source of funds for enterprises.
Although the original source of funds for college students to start a business is single, college students still have to find ways to broaden the source of funds. In terms of financing, although it is impossible to increase the credit line in a short time, you can increase the amount of small loans or other financing channels by improving your understanding of financing. Improving the capital turnover speed of enterprises and reducing warehouse storage are all ways to increase the capital operation of enterprises.
5. Rational investment to reduce investment risks.
If college students can invest rationally when starting a business, it can greatly reduce the investment risk and improve the survival probability of enterprises. Establish investment risk awareness, understand the risk ratio of investment enterprises, do a good job in market research, and understand the probability of enterprises encountering risks in the early and middle stages of operation. Do a good job in risk response plan, broaden the access channels of enterprise product information, and ensure that enterprise products have enough time in the process of production and market entry, and will not be replaced or copied by other products.
Concluding remarks
In a word, financial management is an embarrassing problem for many college students when they start their own businesses. How to effectively carry out enterprise financial management and standardize enterprise financial system is the first problem to be solved for the benign development of enterprises. Only by paying attention to and properly solving the financial management problems can college students start their own businesses healthily and healthily.
References:
Zheng Qiao. Problems and Countermeasures of College Students' Venture Financing [J]. Southwestern Finance and Economics, 20 13, (4):64-66.
[2] Zhao Rong Jian. Analysis of the application of "online reimbursement" in enterprise financial management [J]. Business Accounting, 20 14, (10):96-97.
[3] Sun, YiHan. Financial engineering methods in enterprise financial management [J]. China Commerce and Trade, 20 14, (25): 133- 134.
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