民营企业融资的特点（Characteristics of private enterprise financing）.docVIP

民营企业融资的特点（Characteristics of private enterprise financing） Characteristics of private enterprise financing First, the deep reasons for the financing difficulties of private enterprises With the deepening of the reform of the economic system, the private economy has developed rapidly, and its output has accounted for about 70% of the total economic output. However, the financial services are seriously lagging behind, and the private sector has less than 40% of the total amount of financial assets, and has been plagued by insufficient operating funds and poor financing channels in the process of development. Even the upgrade on the one hand the private economy to expand investment, equipment, product upgrading, technology funding needs are not met, on the other hand, the state-owned banks to lend out money or credit, or some problems of state-owned enterprises is difficult to recover the phenomenon, resulting in inefficient use of capital gold overall, serious waste of financial resources. The main reasons are as follows: two aspects: 1., the financing characteristics of private enterprises determine that they are in the inferior position of capital competition Compared with state-owned large and medium-sized enterprises, private enterprises have entirely different financing characteristics: (1) higher financing costs. The number of private enterprises is scattered and the scale is relatively small, so the total amount of financing needs is huge, but the amount of each amount is too small, and the demand for funds is scattered, the cycle is short and the randomness is great. The financial institutions need to spend more manpower and financial resources on the examination, issuance, promotion, and the provision of access, collection and transfer of private enterprise loans. (2) information collection is difficult. Private enterprises are generally established for a relatively short period of time, lack of historical credit records and good public image. Credibility, fi