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cultural development of the enterprise , leading to many companies in the corporate culture is obviously there are many deficiencies in the long-term development of enterprises detriment .

First, the small and medium private enterprises credit level is low. Small-scale private enterprise good turn , and some private companies are not trustworthy, one encounters the risk disappeared , which for many banks, mortgage and insurance , and even if there is , there is also the risk of loans , which to some extent on the existence of private enterprise financing capacity constraints . Second, private business risk is high. Funds owned enterprises less traffic , generally small scale of operation , skill levels are generally lagging behind the other large enterprises , poor level of ability to resist risks , business owners emphasis on immediate , leading business performance instability. Three are secured by private enterprise system needs to be improved . According to the survey , 64.8 percent of private enterprises unable to obtain credit guarantees , even if there is a large profitable companies are only 35.82% of the enterprises to obtain credit guarantees . Around the new commercial credit insurance guarantees and credit institutions to conduct business a short time, its role is not yet clear , guarantee system to be improved .

As private enterprises themselves attribute determines its financing is difficult to account for scale advantages . For loan business, whether the size of the loan amount , the financial institution must at almost the same operating procedures , the use of manpower, audit reports and other inputs is almost the same . Therefore, the smaller its credit , the higher administrative costs , making financial institutions to private enterprise " credit crunch ." In addition, the information disclosure system of private enterprise is not perfect, the lower the credibility of the information provided , the financial institutions must also use other methods to obtain a more comprehensive factual information , which will further increase the loan management costs. Financial institutions, starting from the lower management costs , small and medium private enterprises would be very difficult to please the financial institutions , then , private loans , low cost and the actual output of contradictions it has become private enterprises financing difficulties common cause .
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