摘要
随着全球经济一体化的加速推进，民营企业作为中国经济的重要支柱，其发展状况直接关系到国民经济的整体运行质量。然而，尽管民营企业在促进经济增长、增加就业、推动技术创新等方面发挥着不可替代的作用，但其融资难、融资贵的问题却始终未能得到有效解决。这一问题不仅限制了民营企业的扩张和发展，也影响了整个经济体系的稳定性和可持续性。因此，深入剖析民营企业融资面临的法律障碍，探索有效的解决方案，对于促进民营经济健康发展、优化融资环境具有重要意义。本文旨在探讨民营企业融资过程中面临的法律障碍，并提出相应的对策。首先，文章从国内外研究现状出发，概述了民营企业融资的理论基础及融资障碍的理论分析框架。随后，重点分析了民营企业融资在法律层面所遭遇的四大主要问题：融资渠道的法律限制、融资成本与法律风险、融资担保法律缺失以及融资监管与法律适应性不足。针对这些问题，文章提出了多方面的对策，包括优化融资渠道、降低融资成本与法律风险、完善融资担保法律机制以及强化融资监管与法律适应性等。通过这些对策的实施，旨在为民营企业创造一个更加公平、透明、高效的融资环境，促进其健康、可持续发展。
关键词：民营企业融资；法律障碍；融资渠道；融资成本
Abstract
With the acceleration of global economic integration, the development of private enterprises, as an important pillar of China's economy, is directly related to the overall operation quality of the national economy. However, although private enterprises play an irreplaceable role in promoting economic growth, increasing employment and promoting technological innovation, the problems of difficult and expensive financing have not been effectively solved. This problem not only limits the expansion and development of private enterprises, but also affects the stability and sustainability of the entire economic system. Therefore, it is of great significance to deeply analyze the legal obstacles facing the financing of private enterprises and explore effective solutions to promote the healthy development of private economy and optimize the financing environment. This paper aims to explore the legal obstacles in the financing process of private enterprises and propose corresponding countermeasures. Firstly, the paper summarizes the theoretical basis of private enterprise financing and the theoretical analysis fr amework of financing obstacles from the current situation of research at home and abroad. Subsequently, the paper mainly analyzes the four main problems of private enterprise financing: the legal restriction of financing channels, financing cost and legal risk, the lack of financing guarantee law, and the lack of financing supervision and legal adaptability. In view of these problems, the paper puts forward various countermeasures, including optimizing financing channels, reducing financing costs and legal risks, improving the legal mechanism of financing guarantee, and strengthening financing supervision and legal adaptability. Through the implementation of these countermeasures, it aims to create a more fair, transparent and efficient financing environment for private enterprises, and promote their healthy and sustainable development.
Keywords： Financing of private enterprises; Legal obstacle; Financing channel; Financing cost
目 录
摘要 I
Abstract II
一、绪论 1
（一）研究背景和意义 1
（二）国内外研究现状 1
二、相关理论概述 2
（一）民营企业融资理论基础 2
（二）融资障碍的理论分析框架 2
三、民营企业融资面临的法律障碍问题 2
（一）融资渠道的法律限制问题 2
（二）融资成本与法律风险问题 3
（三）融资担保法律问题 3
（四）融资监管与法律适应性问题 4
四、民营企业融资法律障碍的对策 4
（一）优化融资渠道的法律对策 4
（二）降低融资成本与法律风险的对策 5
（三）完善融资担保法律机制的对策 6
（四）强化融资监管与法律适应性的对策 7
结 论 8
参考文献 9
