民营企业融资问题研究

Research on the financing problem of private enterprises

民营企业对我国经济发展发挥了非常大的作用,无论是在增加税收、提高国家生产总值和解决就业等方面都做出了巨大的贡献,但是民营企业一直面临一个难以解决的问题即融资难的问题。民营企业融资难的原因有很多,既有其内部的包括自身的经济实力弱、管理制度和管理理念落后以及信息透明度不够导致的信用体系不完善等原因;也有外部的包括国家政策倾斜不足、银行放贷门槛高、上市条件过高以及民间融资管理不规范等原因。鉴于民营企业不可替代的重要性,文章对上述问题展开研究,寻找解决民营企业融资难题的方法,使民营企业能够获得更好的发展。

Private enterprises have played a very important role in the economic development of our country.They have made great contributions to the increase of tax,the increase of national gross product and the resolution of employment,but they have been faced with the difficult problem of financing.There are many reasons for this problem,such as the weak economic strength,the backward management system and management idea,and the imperfection of credit system caused by the lack of information transparency.There are also some external reasons,such as insufficient national policy,high bank lending threshold,high listing condition and non-standard non-governmental financing management.In view of the irreplaceable importance of private enterprises,this paper studies the above problems and finds ways to solve the financing problems of private enterprises so that they can develop better.