近来笔者通过对河南省某县185家民营企业融资成本的调研,发现民营企业融资贵的原因主要有以下几个方面:首先,利率市场化改革及互联网金融创新竞争导致银行吸储成本大幅上升,从而推高民营企业贷款成本。近年来,以放宽存款利率为重要标志的利率市场化改革正在有序推进,虽 Recently, I investigated the financing costs of 185 private-owned enterprises in a certain county in Henan Province and found that the reasons for the high cost of private-owned enterprises are as follows: Firstly, the market-oriented interest rate reform and the innovative competition in Internet finance led to a substantial increase in the cost of bank suction and storage Push private enterprise loan costs. In recent years, marketization of interest rate liberalization with deposit interest rates as an important symbol is being promoted in an orderly manner. Although