民营企业融资难的原因及对策VIP专享VIP免费

学校代码：10484学号：[]河南财经学院HENANUNIVERSITYOFFINANCEANDECONOMICS自学考试（会计专业）本科生论文论文题目：民营企业融资难的原因及对策专业名称：工作单位：[]作者姓名：[]联系方式：[]民营企业融资难的原因及对策摘要分析民营企业融资难，探讨我国民营企业融资难的对策，旨在为民营企业的发展创造良好的融资环境，从而更好地发挥民营企业在我国国民经济发展中的作用。解决民营企业的融资难问题，需要企业、金融机构和政府共同努力，为民营企业融资开辟更多渠道，从而使其发挥在国民经济中应有的作用。2002年国家统计局的数据表明，国内GDP增量的80%以上来自民营企业。民营企业作为国民经济活力的重要源泉逐步得到了广泛认同。据统计，2002年上半年各家银行发放的短期贷款中民营企业只占21%.2001年10月人民银行在全国范围进行的一项有关中小企业（其中国有独资及控股企业仅占30.9%）贷款发放的情况调查显示，私营企业贷款满足率最低，为60.4%，低于平均水平8.1个百分点。中小企业在加快经济发展,在提高经济增长效率、提高解决就业等方面发挥着重要的作用。但是,在中小企业发展的过程中却遭遇了几大难题:用地难、融资难----本文就中小企业在发展中融资难的原因,现状及解决的对策做一小探，试图提出解决中小企业融资难的对策。关键词：民营企业，融资，原因，对策DifficultiesinfinancingprivateenterpriseandCountermeasuresABSTRACTFinancingofprivateenterprises,financingofprivateenterprisesinChina'smeasuresaimedatthedevelopmentofprivateenterprisestocreateagoodenvironmentforraisingcapitalinordertobetterplaytoprivateenterpriseinChina'snationaleconomicdevelopmentrole,Tosolvetheproblemoffinancingofprivateenterprises,needtocorporations,financialinstitutionsandgovernmentstoworktogetherforthefinancingofprivateenterprisestoopenupmorechannels,makingitplayitsdueroleinthenationaleconomy.2002,NationalBureauofStatisticsshowthat80%ofdomesticGDPovertheincrementalfromprivateenterprises,Privateenterprisesasanimportantsourceofnationaleconomicactivitygraduallybeenwidelyrecognized,Accordingtostatistics,duringthefirsthalfof2002thebanksinshort-termloansissuedbyprivateenterprisesaccountedforonly21%ofthePeople'sBankinOctober.2001conductednationwideonsmallandmediumenterprises(includingstate-ownedandcontrolledenterprisesaccountedforonly30.9%)thecaseofloansurvey,privateloanstomeetthelowestrateof60.4%,8.1percentagepointslowerthantheaverage.SMEsinacceleratingeconomicdevelopmentandinimprovingtheefficiencyofeconomicgrowth,increaseemployment,toresolveanimportantroletoplay.However,intheprocessofSMEdevelopmenthasencounteredseveralproblems:landdifficultforsmallandmediumenterprisesfinancing----Thisfinancingdifficultiesinthedevelopmentofthecauses,statusandtheSolutiontodoalittleexploration,tryingtoproposesolutionsDifficultSituationofSMEfinancing.KEYWORDS：privateenterprise,financing,reasons,solutions目录1我国中小企业融资难现状..........................................11.1融资渠道单一.......................................................................................11.1.1过多依赖债务融资........................................................................11.1.2贷款集中在国有商业银行............................................................11.2融资成本高昂............................................................................................11.3资本供给结构的不均衡.............................................................................21.4私募股权的集体错位................................................................................22我国民营企业融资难产生的原因.......................