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一、民营企业财务管理存在的问题(一)融资难。目前我国民营企业初步建立了较为独立、渠道多元化的融资体系,但是融资难、担保难仍然是制约民营企业发展的最突出的问题。企业的融资渠道主要是向银行贷款,发行企业债券和股票上市。在股票上市方面,国有企业特别是关系到国有经济控制力的大中型企业比民营企业在政策扶植方面更具优势。另外,民营企业大部分是中小企业,在股票上市方面很难满足上市资格的要求。因此,除少数规模较大的知名的民营企业外,大部分民营企业很难通过股票上市融资渠道获得资金。在发行债券方面,由于涉及到金融风险问题,民营企业发行企业债券难以得到政府有关部门的批准;
First, the problems of private enterprise financial management (A) financing difficulties. At present, China’s privately owned enterprises have initially established a relatively independent and diversified financing system. However, financing difficulties and guarantees are still the most prominent problems restricting the development of private enterprises. The main financing channels for enterprises are loans to banks, issuance of corporate bonds and the listing of shares. In the stock market, state-owned enterprises, especially those large and medium-sized enterprises that are related to the control of state-owned economy, have more advantages in policy support than private-owned enterprises. In addition, most private-owned enterprises are small and medium-sized enterprises, which are difficult to meet the requirements for listing qualification in the stock listing. Therefore, with the exception of a few well-known large-scale private enterprises, most private-owned enterprises have difficulty obtaining funds through the stock listing and financing channels. In the aspect of issuing bonds, the issue of corporate bonds by private-owned enterprises is difficult to obtain the approval of relevant government departments due to the financial risks involved.