民营企业贷款难一直困扰着民企发展,除了民营企业自身的因素外,Brandt(2003)等人指出,在中国的制度环境下,民营企业主和他们的公司在外部融资中受到不公正的待遇,处于劣势地位。Fan(2007)等人认为中国有关法规对待民营企业是不公平的,其中包括对民营企业外部融资的条 Private enterprise loans have always plagued the development of private enterprises. Apart from the private enterprises themselves, Brandt (2003) pointed out that in the institutional environment of China, private enterprise owners and their companies are unfairly treated in external financing, At a disadvantage. Fan (2007) and others think that the Chinese laws and regulations on the private-owned enterprises is not fair, including the external financing of private enterprises Article