A省民营企业信贷融资问题的思考.doc

摘要：民营企业是我省市场经济的重要组成部分，也是推动我省经济增长的重要动力，对我省GDP的增长、市场经济的活跃以及税收的增长有着不可估量的贡献。近年来，我省民营企业有了较大的发展，但是信贷融资难仍然是制约民企进一步发展的瓶颈。本文从广东民营企业融资的现状入手，分析民营企业信贷融资在企业自身、银行方面和宏观融资环境三方面存在的问题，并分别针对企业自身、银行方面和宏观融资环境三方面，提出解决民营企业融资问题的建议。

关键词: 民营企业；信贷融资；银行贷款

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

　　　解决民营企业融资难的问题是一个庞大复杂的系统工程，核心在于民营企业自身能力提升，基础部分在于金融机制的改进配合相适应与政府积极且恰当的支持和引导。解决这一问题，不仅仅是资金量上的支持，更要提高企业自身经营管理和融资能力；注重金融机制改革；改善政府调控宏观经济的职能，加强制度供给和金融扶持，培育良好的社会信用体系，发挥市场机制在资源配置方面的基础性作用，只有这样才能民营企业才能取得的长远发展与进步。