摘  要:改革开放以来，民营经济飞速发展，成为我国经济最为活跃的增长极。个体工商户为主体的非公有制经济保持着较快的发张，但是民营企业融资难确一直是制约我国民营企业发展的瓶颈。本文以研究民营企业融资问题目标，对民营企业的发展现状，融资方式，融资困境和解决融资困境的对策进行了研究。融资是一个企业从事经济经营活动的前提，如果一个企业不能及时筹措到其发展所需要的资金，那么必定会阻碍企业进一步的发展。我国现阶段民营企业融资难问题是制约其发展的重要因素。

　　　本文具体的研究了华龙日清企业融资的成功经验，分析了该民营企业如何通过不断的完善自我和运用优势来发展和壮大企业。通过对华龙日清企业融资过程进行了分析，针对民营企业融资难问题提出了有针对性的一些对策和建议。民营企业的融资与发展的首先是要提升民营企业自身的综合素质，再结合政府，银行以及社会各个方面来不断的提高自身的实力来促进企业的壮大，从而解决民营企业融资难的问题。

关键词：民营企业  融资困境  融资难的成因  解决对策

ABSTRACT:Since China's reform and opening up, private economy rapid development, become the most active in economic growth pole. Individual businesses as the main body of the non-public sectors of the economy maintained a fast send a, but the private enterprise financing difficult it has been a bottleneck restricting the development of private enterprises in our country. Target based on the research on private enterprises financing problem of private enterprise development present situation, the financing way, financing difficulties and to solve the problem of financing difficulties were studied. Financing is an enterprise engaged in the premise of economic activities, if a business is not needed to raise the development money in time, it will hinder the further development of enterprises. At this stage in our country private enterprise financing difficult problem is one of the important factors restricting its development.

　　　This article concrete study the successful experience of HuaLong enterprises financing, analyzes the private enterprise how to through continuous improve themselves and use the advantage to develop and expand business. By HuaLong enterprises financing process are analyzed, in view of the private enterprise financing difficult problem put forward some targeted countermeasures and Suggestions. Through the analysis of the obtained the enlightenment. Private enterprises financing and the development of the first is to promote private enterprise own comprehensive quality, coupled with the government, Banks and social various aspects to continuously improve its own strength to promote enterprise growth, so as to solve the problem of difficult financing for private firms.

Keywords：Private enterprise；Financing difficulties；the reasons of financing obstacles;Countermeasure and suggestions