摘要在我国目前的经济版图中，民营企业发挥着重要的作用和作用。。民营企业在提升经济活力、促进科技创新，提高资源配置效率，完善社会分工，增加就业，扩大出口，都发挥着重要作用。山东省是一个经济大省，农业大省，人口大省。，根据山东省统计局2018年2月公布的数据，2017年，民营经济增加值为3.6896万亿元，占全省GDP的50.77%。，民营经济已占山东省经济总量的半壁江山。笔者通过阅读大量文献资料，基本了解到山东民营企业融资的现状，在本文中阐述了民营企业融资的理论基础，描述了民营企业融资的现状、渠道和特点；本文分析了民营企业融资过程中信息不对称、规模不经济、管理风险高等内在问题。，也分析了社会信用体系不健全、国家相关法律法规缺位等外部问题，以揭示造成民营企业融资困境的原因。最后，本文结合山东省民营企业实际情况，从社会、金融机构民营企业自身三个维度提出加强民营企业自身信用建设、建立和完善民营企业信用担保体系、建设中小企业政策性融资支持体系、改进中小企业信用评级方法、规范中小企业的非正式融资等建议，以期对改变民营企业融资困境能有所帮助。关键词：民营企业、融资、信息不对称、社会信用ABSTRACTInChina'scurrenteconomicmap,privateenterprisesplayanimportantroleandrole.Privateenterprisesplayanimportantroleinpromotingeconomicvitality,promotingscientificandtechnologicalinnovation,improvingtheefficiencyofresourceallocation,improvingsocialdivisionoflabor,increasingemploymentand题目山东民营企业融资问题研究expandingexports.Shandongprovinceisalargeeconomy,agricultureandpopulationprovince.AccordingtothedatareleasedbyshandongprovincialbureauofstatisticsinFebruary2018,theaddedvalueofprivateeconomyin2017is3.6896trillionyuan,accountingfor50.77%oftheprovince'sGDP.Privateeconomyalreadyaccountsforhalfofthetotaleconomicvolumeofshandongprovince.Theauthorthroughreadingalargenumberofliterature,abasicunderstandingtothecurrentsituationofthefinancingofprivateenterprisesinshandong,inthisarticleexpoundsthetheoreticalbasisofprivateenterprisefinancing,describesthepresentsituationoftheprivateenterprisefinancing,channelsandcharacteristics;Thispaperanalyzestheinherentproblemsofasymmetricinformation,uneconomicscaleandhighmanagementriskintheprocessofprivateenterprisefinancing.Inordertorevealthereasonsforthefinancingdifficultiesofprivateenterprises,thispaperalsoanalyzestheexternalproblemssuchastheimperfectsocialcreditsystemandtheabsenceofrelevantnationallawsandregulations.Finally,incombinationwiththepracticalsituationofprivateenterprisesinshandongprovinceinthispaper,fromthesocial,financialinstitutions,privateenterprisesownthreedimensionsproposedtostrengthentheconstructionofprivateenterprise'sowncredit,establishandperfecttheprivateenterprisecreditguaranteesystem,theconstructionofsmallandmedium-sizedenterprisepolicyfinancingsupportsystem,improvethemethodofsmallandmedium-sizedenterprisecreditrating,standardizetheinformalfinancingofsmallandmedium-sizedenterprisesandsoon,inordertochangetheprivateenterprisefinancingdifficultiescanhelp.Keywords:privateenterprises,financing,asymmetricinformation,socialcredit目录摘要............................................................IABSTRACT........................................................II一、引言........................................................-1-（一）研究背景及意义........................................-1-（二）国内外研究现状........................................-2-1.国外相关理论研究......................................-2-2.国内理论研究现状......................................-4-（三）...
