【摘要】 民营经济是中国经济的重要组成部分，具有不可替代的作用。不过，民营经济发展约束较多，融资难、融资贵是一个老大难问题。文章从企业自身的角度，采取文献研究方法，梳理出数字金融背景下破解民营企业融资之困的10个对策，期望探索出最优的对策组合拳谱。为了把融资难这个抽象概念具体化为可测变量，围绕融资成本、融资门槛、融资时间、融资渠道四个方面设计了4个题项。加上10个对策点，总共设计14个问句，回收有效问卷309份。为了探求10个对策点与破解融资难问题的关系，采取了逐步回归的方法，结果表明：回归的结果与文献研究的结果具有一致性，10条对策具有优劣性。更多还原

【Abstract】 The private economy is an important component of China’s economy and plays an irreplaceable role. However, the development of private enterprises is constrained by many factors, and the difficulty and high cost of financing have long been a major problem. From the perspective of enterprises themselves, this paper adopts the literature research method to sort out 10 countermeasures for solving the financing difficulties of private enterprises in the context of digital finance, hoping to explore the optimal combination of countermeasures. To concretize the abstract concept of financing difficulty into measurable variables, four items were designed around financing cost, financing threshold, financing time, and financing channels. Together with the 10 countermeasures, a total of14 questions were designed, and 309 valid questionnaires were collected. To explore the relationship between the 10 countermeasures and solving the financing difficulty problem, the stepwise regression method was adopted. The results show that the regression results are consistent with the literature research results, and the 10 countermeasures have different levels of effectiveness.更多还原