民营企业融资难的原因及对策.doc

学校代码：10484 学 号：[ ] 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 Difficulties in financing private enterprise and Countermeasures ABSTRACT Financing of private enterprises, financing of private enterprises in Chinas 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 Chinas 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. 2002, 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 2002 the banks in short-term loans issued by private enterprises accounted for only 21% of the Peoples Bank in October .2001 conducted nationwide on small and medium enterprises (including state-owned and controlled enterprises accounted for only 30.9%) the case of loan survey, private loans to meet the lowest rate of 60.4%, 8.1 percentage po