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长期以来,企业融资的目光过多地集中在银行贷款上,但银行在实际投放贷款的过程中偏向于大企业、重点企业及国有企业,远远不能满足大部分企业的现实需要。民间借贷具有灵活、方便、融资快的特点,虽然在目前企业普遍资金短缺的情况下是一种有效的融资途径,但是由于法律的不健全,市场的不规范,致使一些地方的民间借贷处于放任失控的状态,造成了很多社会问题。其实,在银行贷款及民间借贷以外,还有很多的融资方式可供企业选择,企业应当积极利用其他的金融工具,以拓展企业融资渠道。
For a long time, the focus of corporate financing has been excessively concentrated on bank loans. However, banks actually favor large enterprises, key enterprises, and state-owned enterprises in the process of actual loans, which is far from meeting the actual needs of most enterprises. Private lending has the characteristics of flexibility, convenience, and fast financing. Although it is an effective financing method in the current situation of a general shortage of funds, due to the imperfection of laws and the non-standard market, private lending in some places is left unchecked. The state of out of control has caused many social problems. In fact, in addition to bank loans and private lending, there are many financing options available to enterprises. Enterprises should actively use other financial tools to expand corporate financing channels.