比起国有企业,由于民营企业缺乏担保机制,加上生存周期比较短及贷款数额比较小,所以往往较难争取到银行的贷款。在投资的领域上,民营企业亦没有享有平等的待遇。由于不少行业(如金融、基础设施等)均为政府或国有企业所垄断,因此,民营企业可投资的领域相对较为狭窄。 Compared with state-owned enterprises, private-owned enterprises often find it harder to win loans from banks due to the lack of a guarantee mechanism and the relatively short life cycle and the relatively small amount of loans. In the area of ​​investment, private enterprises also do not enjoy equal treatment. Since many industries (such as finance, infrastructure, etc.) are monopolized by the government or state-owned enterprises, private-owned enterprises can invest in relatively narrow areas.