Big data technology provides new opportunities for small and medium-sized enterprises(SMEs)to improve f inancial management efficiency, but the lack of adaptability between the two has become a core bottleneck. Focusing on this issue, this paper analyzes its specific manifestations in three aspects:poor connection between financial data and big data technology,insufficient compatibility between traditional management and control models and big data applications,and mismatch between the capabilities of financial personnel and empowerment needs. Based on this, it proposes specific and implementable paths from three dimensions—establishing a unified data standard system,optimizing the financial management and control framework, and building a hierarchical practical training mechanism—to provide practical reference for SMEs to enhance financial management efficiency with the help of big data.