民营企业获取金融资源的现状及路径选择——以江西长江沿岸150户民营企业信贷样本为例

The Status Quo and Path Choice of Private Enterprises’Access to Financial Resources——Taking Credit Samples of 150 Private Enterprises along the Yangtze River of Jiangxi as an Example

打造最美长江岸线,是江西省委省政府为落实国务院建设长江经济带,推进沿江生态文明建设和绿色发展而确立的新目标。促进小微和民营企业发展,是2018年以来党中央、国务院为促进经济走上高质量发展道路提出的新要求。以长江沿岸江西九江段150户中小民营企业为样本进行问卷和调查。调查显示沿江民营企业信贷需求旺盛、融资环境得到改善,但“市场的冰山”“融资的高山”“转型的火山”仍然是制约民营企业发展的主因。结合当下企业融资现状,从金融支持小微民营企业健康发展角度进行分析思考,提出要发展多元化融资渠道、构建多层次协调机制、创建多模式服务体系等建议。

Building the most charming coastline of the Yangtze River is a new goal established by the Jiangxi Provincial Party Committee and Provincial Government to implement the State Council’s construction of Yangtze River Economic Belt and promote the construction of ecological civilization and green development along the river.Improving the development of micro and small companies and private enterprises is the new requirement raised by the CPC Central Committee and the State Council since 2018,which aims to promote the economy to a high-quality development.This article took a sample of 150 small and medium-sized private enterprises along the Yangtze River to conduct a questionnaire and survey.The research shows that the private enterprises along the Yangtze River have strong demands for credit and the financing environment has been improved.However,“the iceberg of the market”“the high mountain of financing”“the volcano of transformation”are still the main causes of limiting the development of private enterprises.Basing on the current situation of corporate financing,it proposes some suggestions such as developing pluralistic financing channels,constructing multilevel coordination mechanism and creating multi-mode service system while analyzing and thinking from the perspective of financial support for the healthy development of small and micro private enterprises.