民营企业融资的理论分析

The Theoretical Analysis of the Loan of Private Enterprises from Bank

目前,民营企业融资难的问题成为制约我国民营经济发展的瓶颈,能否解决该问题直接关系到我国民营经济能否获得进一步的发展。从信用的角度出发,撇开民营企业融资难的外在原因的分析,转而寻找内在理论根据,并试图从本质上找到引起民营企业融资难的深层原因。通过对企业信用决定论、信用价值论和企业与银行之间的信用博弈论的初步探讨和分析,认识到信用是实现民营企业融资的根本,并指出该设想对实现我国民营企业融资有一定的指导作用。

At present, the difficult question of the loan of private enterprises has become the key problemwhich restricted private economy's development in our country. Whether we bent ourselves to ravel out thisproblem is definitively for the private economy which needs to obtain further developing. This article start tothink from the credit angle, putting aside external causes analysis of the loan difficult of the privateenterprises, transferring to seek the intrinsic theory basis, and attempting essentially to find the in- depthcauses of private enterprises why to finance so difficultly. Through developing the preliminary research andanalysis to the theory of the enterprises' credit determinism, the credit theory of value and the theory ofcredit wrestles between private enterprises and the banks ,this article open out that credit is the root ofprivate enterprises' financing . I conceive that the theoretical analysis of credit should have a little directionto realize financing from banks for our country's private enterprises.