民营中小企业融资渠道窄、融资总量低、民间借贷多、融资成本高,其既有企业公司治理结构不完善、财务制度不规范、信用水平低等民营中小企业自身的问题,也有金融体系不完善、商业银行经营理念不合理、政府支持力度不够等外部原因,因此,要解决此融资难题,一方面民营中小企业要提高管理水平,另一方面政府、金融机构也要对民营中小企业给予扶持。 Private SMEs financing channels are narrow, low total financing, private lending, high financing costs, the existing corporate governance structure is not perfect, the financial system is not standardized, the low level of credit and other private SMEs themselves, but also the financial system is not Therefore, in order to solve this financing problem, on the one hand, the private SMEs should improve the management level; on the other hand, the government and financial institutions should also give their support to the private SMEs .