我国民营企业融资困境及对策分析目录摘要........................................................................................................................5Abstract..................................................................................................................6一、民营企业融资概述........................................................................................7（一）民营企业的概念................................................................................7（二）民营企业的发展现状........................................................................7（三）民营企业的财务特征........................................................................7（四）民营企业的融资现状........................................................................81.银行服务习惯.....................................................................................82.民企自身不足.....................................................................................93.获取信息不对等.................................................................................94.缺乏担保体系.....................................................................................9（五）研究综述............................................................................................91.国外研究综述.....................................................................................92.国内研究综述...................................................................................10二、我国民营企业融资难的原因分析..............................................................11（一）融资供给层面..................................................................................111.贷款标准不一...................................................................................112.金融差异不足..................................................................................11（二）融资需求层面..................................................................................121.无可靠平台.......................................................................................122.信息不对称.......................................................................................12（三）政策供给层面..................................................................................141.政策不充足.......................................................................................142.监管不严格.......................................................................................15三、解决我国民营企业融资难的对策..............................................................16（一）融资供给层面..................................................................................161.、完善贷款标准...............................................................................162.提供差异服务...................................................................................16（二）融资需求层面..................................................................................161.建立中介平台...................................................................................162.信息随时公布...................................................................................17（三）政策供给层面..................................................................................181.提升惠民政策.................................
