近几年来,民营企业迅速发展并成为我国新的经济增长点。然而,与民营企业对国民经济增长的贡献率形成反差的是,民营企业贷款难的问题始终没有从根本上得到有效解决。关于民营企业贷款难的原因,有的归咎为银行信贷机制僵化,有的归咎为民营企业先天不足,后天失调等。但笔者认为对 In recent years, private enterprises have developed rapidly and become the new point of economic growth in our country. However, in contrast with the contribution rate of private enterprises to the growth of the national economy, the problem of the difficulty of lending to private enterprises has never been effectively solved. Some of the reasons for the difficulty of lending to private enterprises are that the credit facilities of banks are rigid, some of which are blamed on the deficiencies of private-owned enterprises and the day after tomorrow. But I think right