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我国民营企业融资现状分析及对策
摘要
我国民营企业融资现状分析及对策 摘要
民营企业是我国非公有制经济的重要组成部分。改革开放三十几年来，随着社会主义经济体系的逐步完善建立，民营企业摆脱传统体制的束缚，正以新的目标，新的组织，新的结构，新的动力步入全球分工体系，成为推动我国经济转型的不可忽视的动力。然而，长期以来，民营企业的发展受到了诸多因素的影响，尤其是民营企业所面临的融资问题已成为制约其发展的瓶颈。与此同时，纵观国内外市场，民营企业融资难的同时也制约着国民经济的进一步发展，影响到我国金融市场的长远稳健运行。
本文将首先描述民营企业融资的几种模式，阐述民营企业融资的现状及原因，民营企业融资难主要表现在在融资渠道狭窄，银行融资系统不够完善等方面。当然造成民营企业融资难这一现状，既有企业自身因素，也受到当前政策经济环境和政府的影响。本文将站在企业管理者的角度，论述在当前融资环境下，企业如何增强自身素质，扩展适合自己的融资渠道。
关键词：民营企业，融资渠道，融资现状，融资对策
An Analysis of Privately-run Business’ Financing Status Quo and Strategies
Author：Ren Shuang Tutor：Hu Juan Abstract
Privately-run business is an important part of the non- public sectors of the economy in our country. Since the opening up and reform, with the socialist market economy system being perfected, privately-run business has broken through the constraint of traditional structure and entered into the international division system with new goals, new organization, new structure and new motivation. It turns into the driving force which can not be neglected in China’s economic restructuring. However, the development of privately-run business has been affected by numerous factors, especially the difficulty in fund-raising which has become its bottleneck. At the same time, the difficulty in fund-raising of privately-run business confines the further development of national economy and also influences the long-term and stable operation of financial market in our country.
At the very beginning, this thesis will focus on the description of several patterns of privately-run busines’ fund-raising. Then, it will illustrate the status quo of privately-run business’ fund-raising and its caus
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es. The financing difficulty of privately-run business’ fund-raising reflects in following aspects, such as its narrow raising channel and deficient bank financing system. The difficult condition of privately-run business’ fund-raising is not only caused by the enterprises themseleves but also influenced by the current policy and economy circumstances as well as government. This thesis will, through enterprise manerger’s perspective, analyse corperations’ methods of how to improve their own qulity ,how to explore suitable fund-raising channels under the current financing circumstances.
Key words: Privately-run business; Financing channel; Financing status quo; Financing tactics
目 录
第1章 绪论 .............................................................................................................................. 1 第2章 我国民营企业融资概述 .............................................................................................. 2 2.1 民营企业含义 ..................................................................................................................... 2 2.2 民营企业所处地位及作用 ................................................................................................. 2 2.2.1 促进经济增长的重要经济主体 .................................................................................. 2 2.2.2 技术创新的主力军 ...................................................................................................... 2 2.2.3 缓解就业压力的重要途径 .......................................................................................... 3 2.2.4对外贸易的重要主体 ................................................................................................... 3 2.3 民营企业融资模式概述 ..................................................................................................... 3 第3章我国民营企业融资的现状 ............................................................................................ 4 第4章我国民营企业融资难的原因 ........................................................................................ 5 4.1 企业自身方面 ..................................................................................................................... 5 4.2 社会金融环境方面 ............................................................................................................. 6 4.2.1 银行贷款管理体制的制约。 ...................................................................................... 6 4.2.2 银行经营上的“惜贷”。 ............................................................................................... 6 4.2.3 金融中介机构缺乏。 .................................................................................................. 6 4.2.4 我国证券市场融资门槛过高。 .................................................................................. 6 4.3 政府方面 ............................................................................................................................. 7 第5章 我国民营企业融资对策 .............................................................................................. 8 5.1 企业自身方面 ..................................................................................................................... 8 5.1.1 重建企业信誉 .............................................................................................................. 8 5.1.2 做出正确的融资决策 .................................................................................................. 8 5.1.3 从多种途径增强企业的竞争力 .................................................................................. 9 5.2 社会金融环境方面 ............................................................................................................. 9 5.2.1 加快银行体制改革 ...................................................................................................... 9
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5.2.2 加大金融中介机构建设，建立健全担保体系 ........................................................ 13 5.2.3 扩展证券市场，增加融资渠道 ................................................................................ 13 5.3 政府方面 ........................................................................................................................... 14 5.3.1 完善保护私人财产的法律制度 ................................................................................ 14 5.3.2 要从政策上积极鼓励私营企业拓宽发展空间 ........................................................ 14 5.3.3 政府要规范管理行为，提高依法行政水平 ............................................................ 11 5.3.4 政府要增强社会服务功能 ........................................................................................ 11 5.3.5 引进个人破产制度 .................................................................................................... 11 第6章结论 .............................................................................................................................. 12 参考文献 .................................................................................................................................. 13 致 谢 .................................................................................................................................. 14