多年来,我国的民营企业一直存在着融资难的问题。自2010年后,国家银根大幅收紧,导致民营企业普遍面临着资金紧张的局面;由于资金链的断裂,在温州、东莞等地更是纷纷出现了民营企业的倒闭潮。融资难已经成为了束缚民营企业发展的最突出的问题。从银行方面来看,银行往往要求申请融资的企业提供担保或是抵押,程序复杂,审批严格,周期较长;在这样的信贷管制之下,民营企业 For many years, private enterprises in China have always had the problem of financing difficulties. Since 2010, the country’s monetary assets have been tightened significantly, resulting in private enterprises’ generally facing a tight financial situation. Due to the disruption of the capital chain, there have been private companies’ closures in Wenzhou and Dongguan. Financing difficulties have become the most prominent issue that has constrained the development of private enterprises. From the bank’s point of view, banks often require companies that apply for financing to provide guarantees or mortgages. The procedures are complicated, the approval is strict, and the cycle is long; under such credit control, private enterprises