国有经济从生产私人产品的竞争性领域退出转向主要提供公共产品的非竞争性领域 ,无疑为私营经济带来极为有利的发展机遇。然而 ,长期形成的所有制歧视 ,使私营企业主要依赖自我积累的内源融资方式 ,现代市场经济通行的融资规则对私营企业的渗透并不显著 ,私营企业“融资难”特别是“贷款难”问题成为阻碍其发展的顽症。其对策是 :完善信用担保体系 ,调整中小金融机构的功能定位以及建立银企协调服务机制。 The withdrawal of the state-owned economy from the competitive area where private products are produced to the non-competitive ones that mainly provide public goods undoubtedly brings about extremely favorable development opportunities for the private economy. However, the long-term formation of ownership discrimination causes private enterprises to rely mainly on self-accumulation of endogenous financing. The financing rules prevailing in modern market economy have no significant effect on the penetration of private enterprises. Private-owned enterprises are especially faced with “financing difficulties”, especially “difficult loans” Become a chronic obstacle to its development. The countermeasures are: improve the credit guarantee system, adjust the functional orientation of small and medium-sized financial institutions and establish a coordination service mechanism between banks and enterprises.