中文摘要：

改革开放以来，民营企业迅猛发展，它们在调整优化产业结构、提供就业机会、促进技术进步、增加财政收入、稳定国民经济等方面发挥着重要作用，然而融资难一直是制约民营企业发展的瓶颈。基于与国有企业的对比说明民营企业目前面临的融资困境，从间接融资制度缺陷、直接融资制度缺陷、民营企业自身缺陷、法律体系和信用担保体系不健全等方面分析民营企业目前融资困难的原因，并提出改善这一融资现状的相关对策。

英文摘要：

Since China＇s reform and opening up, private enterprises develop rapidly. They play a crucial role in adjusting and op- timizing the industrial structure, providing employment opportunities, promoting technological progress, increasing fiscal revenue, sta- bilizing national economies and so on. However, financing difficulties have always been the bottlenecks for the development of private enterprises. This paper will explain the financing difficulties that private enterprises are facing as compared with state-owned enterpri- ses, analyze the reasons in the aspects of indirect and direct financing system defects, private enterprises＇ own defects, imperfect legal system and credit guaranty system, and put forward relevant countermeasures to improve this financing status on this basis.