The problems and solutions of financial management of small and medium-sized enterprises are chosen because small and medium-sized enterprises occupy a large proportion in the current market environment. However, due to the lack of funds and resources, SMEs often face some inherent financial management problems, such as the lack of financing channels and means to control costs. Therefore, in order to help small and medium-sized enterprises develop better, it has become the focus and direction of research to explore and provide measures and methods to solve these financial management problems. This paper can study these problems in depth and provide some practical methods and solutions for readers' reference.