总体来说,我国民企仍处于发展初期,起点低、底子薄,整体层次不高,竞争力较弱,在发展中遇到了一系列问题,阻碍着民企的进一步发展。首先,随着市场竞争日趋激烈和规范,民企盈利机会大为减少,不少人感到生意难做,钱越来越不好挣。其二,资金短缺,融资渠道狭窄,商业银行不愿为民企特别是中小型民企贷款,而民间融资又受到种种限制,致使一些好的投资机会丢失。其三,员工流动过于频繁,企业不敢或不愿在人力资本方面进行投资,企业发展缺乏后劲。第四,决策不民主、不科学,家长制、一言堂比较严重,家族色彩浓厚,投资失误屡屡发生。第五,“后院”不平静,家庭或家族矛盾牵涉 In general, private enterprises in our country are still at an early stage of development with a low starting point, a weak foundation and an overall low level of competitiveness. They have encountered a series of problems in their development and hindered the further development of private enterprises. First of all, with the increasingly fierce market competition and regulation, opportunities for profit-making of private enterprises have been greatly reduced. Many people feel that business is difficult to do and money is getting harder and harder to earn. Second, due to lack of funds and narrow financing channels, commercial banks are reluctant to lend to private enterprises, especially small and medium-sized private enterprises, and private financing is subject to various restrictions, resulting in the loss of some good investment opportunities. Third, staff turnover is too frequent, companies are afraid or unwilling to invest in human capital, lack of business development stamina. Fourth, the decision-making is not democratic, unscientific, patriarchal system, a word more serious, family color, investment errors occur frequently. Fifth, “backyard ” is not calm, family or family conflicts involved