摘要:我國(guó)民營(yíng)經(jīng)濟(jì)已經(jīng)逐漸成為推動(dòng)國(guó)民經(jīng)濟(jì)增長(zhǎng)、優(yōu)化社會(huì)資源配置的重要力量，但在其規(guī)模持續(xù)增長(zhǎng)、重要性不斷提高的同時(shí)，資金短缺成為發(fā)展的主要障礙，因此探尋中小民營(yíng)企業(yè)融資困難的成因并采取切實(shí)可行的對(duì)策，無(wú)疑對(duì)進(jìn)一步促進(jìn)民營(yíng)經(jīng)濟(jì)的發(fā)展有著重要的現(xiàn)實(shí)意義。

　　　從內(nèi)因和外因的角度對(duì)我國(guó)民營(yíng)經(jīng)濟(jì)進(jìn)行剖析，并在借鑒國(guó)外中小企業(yè)融資成功經(jīng)驗(yàn)的基礎(chǔ)上，從中小民營(yíng)企業(yè)融資的內(nèi)外兩方出發(fā)，提出建立銀行——中小民營(yíng)企業(yè)信用體系、建立多樣化融資制度等改善中小民營(yíng)企業(yè)融資環(huán)境的具體途徑。

關(guān)鍵詞: 中小民營(yíng)企業(yè)；融資；融資制度；信用體系

Abstract:China's private economy has gradually become the promotion of economic growth, optimizing the allocation of resources an important social force, but continued growth in its scale and importance of increasing the same time, the shortage of funds as a major obstacle to development, so the financing of private enterprises to explore the causes of the difficulties and take practical measures will undoubtedly further promote the development of private economy has important practical significance.

　　　From the perspective of internal and external factors to analyze China's private economy, and the successful experience of SME financing from abroad, based on the financing of private enterprises from both inside and outside?! 96? Departure, proposed the establishment of banks - private enterprise credit system, the establishment of diversification of financing the system of private enterprise to improve the financing environment of the specific ways.

Key Words：Private enterprises；financing； financing system；credit system

　　　本文的目的是研究和分析我國(guó)中小民營(yíng)企業(yè)融資難的現(xiàn)狀和其出現(xiàn)的原因，并且參考外國(guó)國(guó)外解決中小企業(yè)融資問(wèn)題的優(yōu)秀經(jīng)驗(yàn)，尋求改善宏觀外部融資環(huán)境與制度，尋找解決中小民營(yíng)企業(yè)融資問(wèn)題的途徑。

　　　本文研究的意義在于為進(jìn)一步完善中小民營(yíng)企業(yè)融資問(wèn)題的解決提出融資理論，但是，中小民營(yíng)企業(yè)融資問(wèn)題的解決并不是一朝一夕的事，任重而道遠(yuǎn)．我國(guó)中小民營(yíng)企業(yè)融資問(wèn)題與我國(guó)經(jīng)濟(jì)體制轉(zhuǎn)型、國(guó)民經(jīng)濟(jì)可持續(xù)增長(zhǎng)等許多根本性問(wèn)題聯(lián)系在一起，是一個(gè)復(fù)雜、長(zhǎng)期的過(guò)程，需要不同層面的設(shè)計(jì)、改革和實(shí)踐。