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第I页我国民营企业融资现状分析及对策摘要民营企业是我国非公有制经济的重要组成部分。改革开放三十几年来，随着社会主义经济体系的逐步完善建立，民营企业摆脱传统体制的束缚，正以新的目标，新的组织，新的结构，新的动力步入全球分工体系，成为推动我国经济转型的不可忽视的动力。然而，长期以来，民营企业的发展受到了诸多因素的影响，尤其是民营企业所面临的融资问题已成为制约其发展的瓶颈。与此同时，纵观国内外市场，民营企业融资难的同时也制约着国民经济的进一步发展，影响到我国金融市场的长远稳健运行。本文将首先描述民营企业融资的几种模式，阐述民营企业融资的现状及原因，民营企业融资难主要表现在在融资渠道狭窄，银行融资系统不够完善等方面。当然造成民营企业融资难这一现状，既有企业自身因素，也受到当前政策经济环境和政府的影响。本文将站在企业管理者的角度，论述在当前融资环境下，企业如何增强自身素质，扩展适合自己的融资渠道。关键词：民营企业，融资渠道，融资现状，融资对策第II页AnAnalysisofPrivately-runBusiness’FinancingStatusQuoandStrategiesAuthor：RenShuangTutor：HuJuanAbstractPrivately-runbusinessisanimportantpartofthenon-publicsectorsoftheeconomyinourcountry.Sincetheopeningupandreform,withthesocialistmarketeconomysystembeingperfected,privately-runbusinesshasbrokenthroughtheconstraintoftraditionalstructureandenteredintotheinternationaldivisionsystemwithnewgoals,neworganization,newstructureandnewmotivation.ItturnsintothedrivingforcewhichcannotbeneglectedinChina’seconomicrestructuring.However,thedevelopmentofprivately-runbusinesshasbeenaffectedbynumerousfactors,especiallythedifficultyinfund-raisingwhichhasbecomeitsbottleneck.Atthesametime,thedifficultyinfund-raisingofprivately-runbusinessconfinesthefurtherdevelopmentofnationaleconomyandalsoinfluencesthelong-termandstableoperationoffinancialmarketinourcountry.Attheverybeginning,thisthesiswillfocusonthedescriptionofseveralpatternsofprivately-runbusines’fund-raising.Then,itwillillustratethestatusquoofprivately-runbusiness’fund-raisinganditscauses.Thefinancingdifficultyofprivately-runbusiness’fund-raisingreflectsinfollowingaspects,suchasitsnarrowraisingchannelanddeficientbankfinancingsystem.Thedifficultconditionofprivately-runbusiness’fund-raisingisnotonlycausedbytheenterprisesthemselevesbutalsoinfluencedbythecurrentpolicyandeconomycircumstancesaswellasgovernment.Thisthesiswill,throughenterprisemanerger’sperspective,analysecorperations’methodsofhowtoimprovetheirownqulity,howtoexploresuitablefund-raisingchannelsunderthecurrentfinancingcircumstances.Keywords:Privately-runbusiness;Financingchannel;Financingstatusquo;Financingtactics第III页目录第1章绪论..............................................................................................................................1第2章我国民营企业融资概述..............................................................................................22.1民营企业含义.....................................................................................................................22.2民营企业所处地位及作用.................................................................................................22.2.1促进经济增长的重要经济主体..................................................................................22.2.2技术创新的主力军......................................................................................................22.2.3缓解就业压力的重要途径..........................................................................................32.2.4对外贸易的重要主体..................................................................................................32.3民营企业融资模式概述.....................................................................................................3第3章我国民营企业融资的现状..........................................................................................4第4章我国民营企业融资难的原因......................................................................................54.1企业自身方面.....................................................................................................................54.2社会金融环境方面.............................................................................................................64.2.1银行贷款管理体制的制约。......................................................................................64.2.2银行经营上的“惜贷”。...............................................................................................64.2.3金融中介机构缺乏。..................................................................................................64.2.4我国证券市场融资门槛过高。..................................................................................64.3政府方面.............................................................................................................................7第5章我国民营企业融资对策..............................................................................................85.1企业自身方面.....................................................................................................................85.1.1重建企业信誉..............................................................................................................85.1.2做出正确的融资决策..................................................................................................85.1.3从多种途径增强企业的竞争力..................................................................................95.2社会金融环境方面.............................................................................................................95.2.1加快银行体制改革......................................................................................................95.2.2加大金融中介机构建设，建立健全担保体系..........................................................