中小企业民间融资的问题及对策解析.doc

摘要：目前，民间融资由于缺乏必要的监管与引导，使其在发展过程中，在一定程度上影响了国家金融政策的实施效果和宏观调控能力。同时，民间融资的规模缺乏控制，可能会冲击到正常金融秩序。另外，民间融资利率一般较高，债务人还款压力较大。最后，民间融资缺乏监管，风险较大，影响了经济和社会的稳定。这些问题主要是由我国中小企业自身的局限性、正规金融机构目前存在的弊端、信用担保制度不完善以及我国资本市场的结构缺陷所造成的。对此，中小企业首先应当改善自身的融资条件。国家相关部门也应当出台民间融资的相关法律法规，成立和完善行业自律组织。同时，鼓励正规金融机构的金融服务创新。其次，建立健全民间融资监管约束机制，规范民间融资手续，严厉打击非法融资。再次，开放市场利率,优化资源配置。

关键词：民间融资 中小企业民间融资 民间融资监管

Abstract: Recently, as a result of lack of essential regulation and instruction, during its process of development, private finance has influenced the implementation effect and micro-control of financing policies to some extent. Meanwhile, there is a lack of control in private finance size, and is likely to have great impact on the normal finance order. In addition, the interest rate of private finance is usually high and this could put the creditors under great pressure. Finally, lack of supervision and high-level of risk has impacted economic and social stability. The limitation of medium and small enterprises, the existing weaknesses in the current financing institutions and the imperfect of the credit guarantee system, along with defects in capital market structure should account for the above problems to improve the above situation, small and medium enterprises should facilitate its financing conditions. Firstly, relevant departments should introduce regulations and principles on private finance and an Industry self-regulation organization should be established.  At the same time, the government should encourage the formal finance institutions of financial services innovation. Secondly, the government should establish and strengthen mechanism of regulatory constraints to regularize private finance procedures and to severely crack down on illegal financing. Finally, open market interest rate and optimize the allocation of the resources.

Keywords: private finance, private finance for medium and small enterprises, private finance regulation