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西部民营企业由于自身的约束、西部金融体系的障碍、政府金融政策和监管的缺陷共同导致融资难问题。从本质上说,这是一个体制转换、机制转轨问题。解决这一问题,在宏观层面上有赖于金融市场的培育,在微观层面上有赖于企业制度的创新及其融资技术的提高,关键在于重塑企业融资机制。特别是民营企业要掌握多种融资方式,即内部集资、留利资金和折旧基金、银行贷款、应收账款、抵押贷款、政府资金支持、融资租赁、典当融资、国外贷款融资和以合资合作为主的国外直接融资方式等。
Owing to its own restraints, the western private-sector enterprises, the obstacles of the western financial system, the government’s financial policies and the defects of supervision lead to the financing difficulties together. In essence, this is a system transition and a transition mechanism. To solve this problem depends on the cultivation of the financial market at the macro level. At the micro level, the key to rebuilding the financing mechanism of enterprises depends on the innovation of the enterprise system and the improvement of its financing technology. In particular, private-owned enterprises should master a variety of financing methods, namely internal fund-raising, profit-making funds and depreciation funds, bank loans, accounts receivables, mortgages and loans, government funding support, financial leasing, pawn financing, foreign loan financing and joint venture cooperation Based foreign direct financing and so on.