摘要
本文基于对陕西150家民营企业融资情况问卷调查,分析了民营企业融资的主要特点和民营企业融资难的原因,提出了加强民营企业自身建设、合理设计信贷产品、健全多层次的融资体系、加大对小微企业和民营企业融资政策支持等措施建议。
In order to understand the current situation of financing private enterprises in Shaanxi Province,the People's Bank of China Xi'an Branch Management Department conducted a questionnaire survey on the financing of 150 private enterprises in Shaanxi Province,including 15 large private enterprises,35 medium-sized private enterprises,and small and micro-private enterprises.100 companies,covering the manufacturing,technology,construction,and service industries.The survey found that the total amount of financing of private enterprises declined in 2018,and the current overall funding is still tight;endogenous financing is still the main source of funds for private enterprises,and bank loans are the main mode of financing for private enterprises;The high financing costs of private enterprises have led to relatively large financial pressures for enterprises;the financing costs for high-tech manufacturing are relatively low.It is recommended to strengthen the self-employment of private enterprises,consolidate the credit basis of corporate financing;rationally design credit products,further improve the level of financial services;improve the multi-level private enterprise fi?nancing system,expand effective financial supply;improve the guarantee and risk dispersion mechanism,and increase policy support for financing small and micro enterprises and private enterprises.
作者
薛宇博
XUE Yubo(Xi'an Business Management Department PBC,Xi'an Shaanxi 710002)
出处
《西部金融》
2019年第9期73-75,共3页
West China Finance