摘要：民營企業是我省市場經濟的重要組成部分，也是推動我省經濟增長的重要動力，對我省GDP的增長、市場經濟的活躍以及稅收的增長有著不可估量的貢獻。近年來，我省民營企業有了較大的發展，但是信貸融資難仍然是制約民企進一步發展的瓶頸。本文從廣東民營企業融資的現狀入手，分析民營企業信貸融資在企業自身、銀行方面和宏觀融資環境三方面存在的問題，并分別針對企業自身、銀行方面和宏觀融資環境三方面，提出解決民營企業融資問題的建議。

關鍵詞: 民營企業；信貸融資；銀行貸款

Abstract：The private enterprise in our province is an important part of the market economy, and promote economic growth in our province is an important driving force of our province of GDP growth, market economy of active and the growth of the taxation of immeasurable contribution. In recent years, our province private enterprises have larger development, but credit financing is still restricted corporation for the further development of the bottleneck. This article from Guangdong private enterprise financing present situation, the analysis private enterprise credit financing in the enterprise itself, Banks and macro financing environment three aspects, and the problems in the enterprise itself respectively, bank and macro financing environment three aspects and puts forward the solution to the problem of private enterprise financing advice. 　

Keywords: private enterprise；credit financing；bank loans

　　　解決民營企業融資難的問題是一個龐大復雜的系統工程，核心在于民營企業自身能力提升，基礎部分在于金融機制的改進配合相適應與政府積極且恰當的支持和引導。解決這一問題，不僅僅是資金量上的支持，更要提高企業自身經營管理和融資能力；注重金融機制改革；改善政府調控宏觀經濟的職能，加強制度供給和金融扶持，培育良好的社會信用體系，發揮市場機制在資源配置方面的基礎性作用，只有這樣才能民營企業才能取得的長遠發展與進步。