摘要
改革开放四十年来,我国国民经济的发展取得了傲人的成绩,民营企业功不可没。但是,民营企业融资问题是制约民营经济发展的重要因素,传统的融资渠道并不能有效解决民营企业融资难问题,需要开辟新的融资途径。民间金融多样化的借贷形式、富有弹性的利率水平以及活跃的交易市场等特点能够帮助民营企业走出融资困境。民间金融助力民营企业的发展离不开多方政策的支持,此外,建立民营企业担保机制,完善监管体系,提高信息透明度,以及争取实现民间金融利率的市场化,均有利于推动民营经济发展。
In the past forty years of reform and opening up, the development of our national economy has made great achievements, and private enterprises are indispensable. However, the financing problem of private enterprises is a difficult problem troubling the development of private economy,the traditional financing channels cannot effectively solve the difficulty of financing for private enterprises and new financing channels need to be opened up. The diversified borrowing forms, flexible interest rates and active trading markets of private finance can help private enterprises out of financing difficulties. Private finance cannot help the development of private enterprises without the support of various policies,in addition, the establishment of guarantee mechanism for private enterprises, the improvement of supervision system, the improvement of information transparency and the realization of marketization of private financial interest rates are all conducive to promoting the development of private economy.
引文
[1]马文丽.民间金融对民营经济影响机理及实证分析[D].长沙:湖南大学,2017.
[2]刘慧敏.关于完善我国民间金融制度的研究[D].沈阳:沈阳师范大学,2014.
[3]张明琦.我国民间金融发展问题探析[J].时代金融,2018,(30):29-30.
[4]吴婷婷,贾竟祎.我国民营企业融资问题探讨[J].智库时代,2018,(47):38-39.
[5]李明.民营企业融资问题的思考[J].财会学习,2018,(35):194+196.
[6]杨帆.经济周期中民营企业融资问题探讨[J].中国商论,2016,(9):8-90.
[7]余官胜.民间金融发展对民营企业对外直接投资的影响——基于温州企业层面数据的实证研究[J].商业经济与管理,2015,(6):69-75.
[8]胡润楠.我国民间金融发展研究[D].福州:福建师范大学,2015.
[9]吴燕.刍议民营企业融资难与民间金融的发展[J].时代金融,2008,(4):101-102.
(1)数据来源:新浪财经