近年来，非国有企业对国民经济发展的贡献越来越大，已成为推动地方经济发展的重要力量。但非国有企业融资难问题一直是制约其快速发展的因素之一。（一）制约金融机构对非国有企业信贷投入的原因分析１．非国有企业先天不足与缺陷制约了金融机构的信贷支持。一是非国有企业大 In recent years, the contribution made by non-state-owned enterprises to the development of the national economy has been growing and has become an important force in promoting the development of the local economy. However, the problem of financing difficulty of non-state-owned enterprises has always been one of the factors restricting its rapid development. (I) Analysis of the Causes of Restricting Financial Institutions’ Credit Investment in Non-state-owned Enterprises The inherent deficiencies and shortcomings of non-state-owned enterprises have restricted the credit support of financial institutions. First, non-state-owned enterprises