At present, as an important part of market economy, small and medium-sized enterprises (SMEs) play their own role in promoting economic development, but they also face more complex environment and competition. As an important participant, SMEs are faced with both good opportunities and severe challenges. Small and medium-sized enterprises in the market economy may be affected by other business entities and other objective environments, which not only impact the market and management of enterprises, but also affect the financial activities of enterprises, especially financial management. Therefore, while seizing the opportunity, SMEs should have a clear positioning of financial management. They should take their own actual development situation into consideration, while also formulating effective countermeasures to solve the problems in financial management, so as to make the enterprise develop in a more benign direction.