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二十世纪90年代以来,民营经济已经成为拉动我国国民经济持续快速增长的重要力量。据统计,目前民营经济对我国 GDP 增长的贡献已达65%以上。但是由于多方面的原因,我国民营经济的发展受到了来自金融市场的严重约束,融资难已经成为一个突出的问题。据2001年的一项调查资料,目前80%的民营企业认为资金短缺、融资困难。为了适应民营经济日益增长的融资需求,重塑我国金融服务体系已势在必行。一、我国民营经济金融服务体系的基本架构针对制约我国民营经济融资的主要瓶颈,并借鉴国外一些成功的经验和做法,我国应重点围绕以下几个环节构建面向民营经济的金融服务体系。(一)间接融资体系。
Since the 90s of the 20th century, the private economy has become an important force that drives the sustained and rapid growth of our national economy. According to statistics, at present, the contribution of private economy to China’s GDP growth has reached more than 65%. However, due to many reasons, the development of China’s private economy has been severely constrained by financial markets. Financing difficulties have become a prominent issue. According to a survey conducted in 2001, at present 80% of private-owned enterprises consider the shortage of funds and financing difficulties. In order to meet the growing financing needs of the private economy, reshaping China’s financial services system is imperative. First, the basic structure of China’s private economic and financial service system Aiming at the main bottlenecks that restrict the private economy financing in our country, and drawing on some successful experiences and practices from abroad, our country should focus on the following aspects to build a financial service system for the private economy. (A) Indirect financing system.