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1、我國民營企業(yè)融資現(xiàn)狀及對策分析姓 名學 號?！ I(yè)會計學指導教師2008年4月30日15摘要隨著我國經(jīng)濟改革的不斷深入，民營企業(yè)在社會主義市場經(jīng)濟中的地位愈益重要。近年來，我國民營企業(yè)獲得較快發(fā)展，總體規(guī)模不斷擴大，經(jīng)營領域不斷拓寬，企業(yè)管理水平穩(wěn)步提高，對我國經(jīng)濟發(fā)展和社會穩(wěn)定發(fā)揮著重要作用。但從總體上看，民營企業(yè)的發(fā)展仍面臨許多問題，其中最主要問題就是融資難的問題，而融資是企業(yè)生產(chǎn)經(jīng)營活動的必要條件。融資難的問題一直制約著民營企業(yè)的發(fā)展，現(xiàn)已成為民營企業(yè)發(fā)展的最大瓶頸。本文主要是圍繞民營企業(yè)融資難的原因展開探討，然后分析了我國民營企業(yè)的融資特點，進而又分析了
2、我國民營企業(yè)融資的現(xiàn)狀以及融資難對民營企業(yè)自身和政府所造成的影響，同時，對融資難的原因進行了探討：主要有民營企業(yè)自身存在的融資障礙，國有銀行體制改革的滯后，金融機構發(fā)展狀況不理想和直接融資制度不健全等。最后結合民營企業(yè)自身的特點、政府政策、金融環(huán)境及我國民營企業(yè)所處的現(xiàn)實環(huán)境，提出了解決融資問題的對策，并對進一步拓展我國民營企業(yè)融資渠道進行了探討。關鍵詞：民營企業(yè)；融資現(xiàn)狀；原因分析；融資對策15AbstractAsChina'seconomicreformcontinuestodeepen,privateenterpriseshavebecomemoreimp
3、ortantinsocialistmarketeconomy.Inrecentyears,China'sprivateenterprisesaccesstofasterdevelopment;theoverallscaleiscontinuallyexpanding;operatingareasisalsocontinuouslyexpandingandenterprisemanagementlevelimprovessteadily.PrivateenterprisesareplayinganimportantroleonChina'seconomicdeve
4、lopmentandsocialstability.Butgenerallyspeaking,thedevelopmentofprivateenterprisesisstillfacingmanyproblems.Themostimportantissueisthedifficultyinfinancing,whichisanecessaryconditioninenterpriseproductionandbusinessactivities.Thedifficultproblemoffinancinghasbeenrestrictingthedevelopm
5、entoftheprivateenterprisesallthetime,ithavealreadybecomethebiggestbottleneckofdevelopmentoftheprivateenterprises.Thisthesismainlylaunchesthediscussionaroundthedifficultproblemoffinancingoftheprivateenterprises.ThispaperexpoundscharacteristicsofthefinancinginChina'sprivateenterprises,
6、analysespresentconditionsofthefinancing,andthendiscussestheimpactofthedifficultiesoffinancinginChina'sprivateenterprisestothegovernmentandthemselves.Atthesametime,thearticlealsoanalysesthereasonsofthat,suchasprivateenterprises’ownfinancingobstacles,laggingbehindthereformofstate-owned
7、banks,theunsatisfactorydevelopmentoffinancialinstitutionsanddirectfinancingsystemisnotperfect,etc.Finally,accordingtoprivateenterprisesthemselves,governmentpolicies,financialenvironmentforChina'sprivateenterprisesandtherealityoftheenvironment,thispaperhasasamplediscussiononhowtodevel
8、opthefinanci
