摘 要:民营中小企业对促进中国经济的稳定增长非常重要，它们同时也是吸纳就业主要的渠道，对生产社会化，专业化，系列化的促进有推动作用，可以跟大型企业进行优势的互补，还可以相互依靠，一起发展，进一步让社会的分工更细，可以在中国经济的增长中贡献更多的力量。然而，民营企业正面临融资难的重大问题。本文通过阐述我国民营中小企业现在的融资方式与结构，结合当前民营企业的融资现状，就商业银行贷款困难、资本市场融资的局限性、非正规渠道融资的风险等融资难的问题进行分析，探讨导致融资难的企业自身的内部因素和外部的金融体系，国家政策等影响因素，然后给出对应的具体的建议及对策，包括企业自身对策和外部情况对策，如商业银行改革、政府扶持、拓宽非正规渠道等，使我国民营企业的融资问题能有一定的改善，优化我国民营中小企业融资结构。增强投资者信心，从而为实现公司价值的最大化提供理论指导和合理化建议。

关键词：民营企业；融资；金融体系

ABSTRACT:Small and medium-sized private enterprises are an important force promoting the steady growth of our country economy.They have become the main channel of employment,and are the driving force to promote the socialization , specialization and serialization of production.Small and medium-sized private enterprises are common development with state-owned enterprises, and complement advantages with state-owned enterprises,which promote the production of refined division of labor, and make a tremendous contribution to the national economy growth. However, private enterprises are facing a major problem of financing. This paper describes the current financing mode and structure of small and medium-sized private enterprises in China.  It analysis the problem of financing,such as commercial bank loans difficult, capital market limitation, and the risks of financing from non-formal channels .This paper will explore the enterprise's own internal factors,external financial system,and national policy, which caused the difficulties in financing .Then,it will give the corresponding countermeasures and suggestions, including the enterprise's own and external measures, such as the reform of commercial banks, government support, broaden the informal channels.So that ,it will make the financing problems of private enterprises in China can have certain improvement, optimizing the structure of financing of small and medium-sized private enterprises in china. Enhancing the confidence of investors, so as to provide guidance and theory of rationalization suggestions to achieve the maximization of corporate value.

Keywords: Private enterprises; Financing; The financial system