文档介绍：学校代码：10484
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河南财经学院
HENAN UNIVERSITY OF FINANCE AND ECONOMICS
自学考试（会计专业）本科生论文
论文题目：民营企业融资难原因及对策
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民营企业融资难原因及对策
摘要
分析民营企业融资难，探讨中国民营企业融资难对策，意在为民营企业发展发明良好融资环境，从而愈加好地发挥民营企业在中国国民经济发展中作用。处理民营企业融资难问题，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作用。
年国家统计局数据表明，中国 GDP 增量 80%以上来自民营企业。民营企业作为国民经济活力关键源泉逐步得到了广泛认同。据统计，年上六个月各家银行发放短期贷款中民营企业只占 21%. 年 10月人民银行在全国范围进行一项相关中小企业（其中国有独资及控股企业仅占 %）贷款发放情况调查显示，私营企业贷款满足率最低，为 %，低于平均水平个百分点。
中小企业在加紧经济发展 ,在提升经济增加期有效率、提升处理就业等方面发挥着关键作用。不过 ,在中小企业发展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原因,现实状况及处理对策做一小探，试图提出处理中小企业融资难对策。
关键词：民营企业，融资，原因，对策
Difficulties in financing private enterprise and Countermeasures
ABSTRACT
Financing of private enterprises, financing of private enterprises in China's measures aimed at the development of private enterprises to create a good environment for raising capital in order to better play to private enterprise in China's national economic development role, To solve the problem of financing of private enterprises, need to corporations, financial institutions and governments to work together for the financing of private enterprises to open up more channels, making it play its due role in the national economy.
, National Bureau of Statistics show that 80% of domestic GDP over the incremental from private enterprises, Private enterprises as an important source of national economic activity gradually been widely recognized, According to statistics, during the first half of the banks in short-term loans issued by private enterprises accounted for only 21% of the People's Bank in October . conducted nationwide on small and medium enterprises (including state-owned and controlled enterprises accounted for only %) the case of loan survey, private loans to meet the lowest rate of %, p