民营经济迅速崛起,日益成为我国经济发展的重要推动力,但与其对国民经济做出的巨大贡献不相适应的是,民营经济获得的银行贷款在整个银行贷款中的占比不到30%,融资难已成为制约民营经济进一步发展的瓶颈。银行对于民营企业和国有企业难以做到公平对待,民营企业融资难始终未能找 The rapid rise of the private economy is increasingly becoming an important driving force for China’s economic development. However, incompatible with its tremendous contribution to the national economy is that the bank loans obtained by the private economy account for less than 30% of the total bank loans, Financing difficulties have become the bottleneck restricting the further development of the private economy. It is difficult for banks to treat private enterprises and state-owned enterprises fairly. The financing difficulty of private enterprises has not been able to find