摘 要:民營中小企業(yè)對促進(jìn)中國經(jīng)濟(jì)的穩(wěn)定增長非常重要，它們同時也是吸納就業(yè)主要的渠道，對生產(chǎn)社會化，專業(yè)化，系列化的促進(jìn)有推動作用，可以跟大型企業(yè)進(jìn)行優(yōu)勢的互補，還可以相互依靠，一起發(fā)展，進(jìn)一步讓社會的分工更細(xì)，可以在中國經(jīng)濟(jì)的增長中貢獻(xiàn)更多的力量。然而，民營企業(yè)正面臨融資難的重大問題。本文通過闡述我國民營中小企業(yè)現(xiàn)在的融資方式與結(jié)構(gòu)，結(jié)合當(dāng)前民營企業(yè)的融資現(xiàn)狀，就商業(yè)銀行貸款困難、資本市場融資的局限性、非正規(guī)渠道融資的風(fēng)險等融資難的問題進(jìn)行分析，探討導(dǎo)致融資難的企業(yè)自身的內(nèi)部因素和外部的金融體系，國家政策等影響因素，然后給出對應(yīng)的具體的建議及對策，包括企業(yè)自身對策和外部情況對策，如商業(yè)銀行改革、政府扶持、拓寬非正規(guī)渠道等，使我國民營企業(yè)的融資問題能有一定的改善，優(yōu)化我國民營中小企業(yè)融資結(jié)構(gòu)。增強投資者信心，從而為實現(xiàn)公司價值的最大化提供理論指導(dǎo)和合理化建議。

關(guān)鍵詞：民營企業(yè)；融資；金融體系

ABSTRACT:Small and medium-sized private enterprises are an important force promoting the steady growth of our country economy.They have become the main channel of employment,and are the driving force to promote the socialization , specialization and serialization of production.Small and medium-sized private enterprises are common development with state-owned enterprises, and complement advantages with state-owned enterprises,which promote the production of refined division of labor, and make a tremendous contribution to the national economy growth. However, private enterprises are facing a major problem of financing. This paper describes the current financing mode and structure of small and medium-sized private enterprises in China.  It analysis the problem of financing,such as commercial bank loans difficult, capital market limitation, and the risks of financing from non-formal channels .This paper will explore the enterprise's own internal factors,external financial system,and national policy, which caused the difficulties in financing .Then,it will give the corresponding countermeasures and suggestions, including the enterprise's own and external measures, such as the reform of commercial banks, government support, broaden the informal channels.So that ,it will make the financing problems of private enterprises in China can have certain improvement, optimizing the structure of financing of small and medium-sized private enterprises in china. Enhancing the confidence of investors, so as to provide guidance and theory of rationalization suggestions to achieve the maximization of corporate value.

Keywords: Private enterprises; Financing; The financial system