求翻译：当前中小企业资金管理问题有：缺乏现代企业应有的资金管理意识，资金使用结构不合理，内部管理制度不严，造成资金沉淀。中小企业应转变运营资金管理观念和模式、建立健全内部信用制度、拓宽融资渠道、提高现金使用效益和资金管理水平，加强应收账款和存货管理，促进中小民营企业健康持续发展，通过有效的资金运作和资金监控，实现集中资金，降低费用，加强监控和提高效率的管理目标的对策，尽快建立起一套完善的资金管理体系。这对实现企业目标，促进中小企业稳定健康的发展，均有着极其重大的意义。是什么意思？

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Current small- and medium-sized enterprises are Capital Management Issues: lack of modern corporate finance management awareness, use of the funds are not reasonable structure, internal management system is not strictly financial, sediment. Small and medium-sized enterprises operating funds should b

Current SME financial management problems: lack of awareness of modern enterprise financial management, capital structure is unreasonable, strictly internal management system, resulting in precipitation of funds. SMEs should change operations funds management concept and mode, and established sound