通过银行间接融资目前仍是中国企业主要的融资渠道,国务院发展研究中心金融研究所副所长巴曙松曾说过,目前对中国企业来说,谈到融资,大概就是贷款。数据显示,企业融资八成来自银行。但是,这八成融资中属于民营企业的少之又少。一份统计数据显示:我国国有商业银行对民营企业的贷款只占国有商业银行贷款的38%。单纯将民企融资难归咎于金融机构的“成分歧视”未免有失偏颇。同样,埋怨民营企业的资质和信用也有些极端。仔细考究围绕银行的融资拉锯战,我们发现,解决问题的焦点,最终都会聚集到国家相关的法律、法规、政策环境的建设和社会诚信体系的建设上。可以说,解决融资难题,政府的角色不可或缺。民企:找银行先练“铜头铁嘴兔子腿”每年的2-3月,是青岛怡瑞丰实业有限公司的资金周转高峰。每年这个时候,该公 Indirect financing through banks is still the main financing channel for Chinese enterprises. Ba Shusong, deputy director of the Institute of Finance under the State Council Development Research Center, once said that for the current Chinese enterprises, financing is probably a loan. Data show that 80% of corporate finance from the bank. However, this is 80% of the financing of private enterprises are rare. A statistical data show that: China’s state-owned commercial bank loans to private-owned enterprises account for only 38% of state-owned commercial bank loans. Simply blame the difficulty of financing private enterprises in financial institutions, “component discrimination” is not biased. Similarly, complaining about the qualification and credibility of private enterprises is also somewhat extreme. After carefully examining the bank financing, we find that the focal point of resolving the problem will eventually converge on the construction of laws, regulations and policies and the construction of social credit system in our country. It can be said that to solve the financing problem, the role of the government is indispensable. Private enterprises: to find banks first practice “copper head rabbit mouth legs” 2-3 months of each year, Qingdao Yi Ruifeng Industrial Co., Ltd. capital turnover peak. This time of year, the public