摘要:我国民营经济已经逐渐成为推动国民经济增长、优化社会资源配置的重要力量，但在其规模持续增长、重要性不断提高的同时，资金短缺成为发展的主要障碍，因此探寻中小民营企业融资困难的成因并采取切实可行的对策，无疑对进一步促进民营经济的发展有着重要的现实意义。

　　　从内因和外因的角度对我国民营经济进行剖析，并在借鉴国外中小企业融资成功经验的基础上，从中小民营企业融资的内外两方出发，提出建立银行——中小民营企业信用体系、建立多样化融资制度等改善中小民营企业融资环境的具体途径。

关键词: 中小民营企业；融资；融资制度；信用体系

Abstract:China's private economy has gradually become the promotion of economic growth, optimizing the allocation of resources an important social force, but continued growth in its scale and importance of increasing the same time, the shortage of funds as a major obstacle to development, so the financing of private enterprises to explore the causes of the difficulties and take practical measures will undoubtedly further promote the development of private economy has important practical significance.

　　　From the perspective of internal and external factors to analyze China's private economy, and the successful experience of SME financing from abroad, based on the financing of private enterprises from both inside and outside?! 96? Departure, proposed the establishment of banks - private enterprise credit system, the establishment of diversification of financing the system of private enterprise to improve the financing environment of the specific ways.

Key Words：Private enterprises；financing； financing system；credit system

　　　本文的目的是研究和分析我国中小民营企业融资难的现状和其出现的原因，并且参考外国国外解决中小企业融资问题的优秀经验，寻求改善宏观外部融资环境与制度，寻找解决中小民营企业融资问题的途径。

　　　本文研究的意义在于为进一步完善中小民营企业融资问题的解决提出融资理论，但是，中小民营企业融资问题的解决并不是一朝一夕的事，任重而道远．我国中小民营企业融资问题与我国经济体制转型、国民经济可持续增长等许多根本性问题联系在一起，是一个复杂、长期的过程，需要不同层面的设计、改革和实践。