The Research on Differences in Financing of 4 Types of Private Businesses

The paper constructed an index system contains credit availability, financing deficit,financing channel, based on a large sample size of enterprise-level data, and quantitatively analyzed the differences in financing of private businesses different in age, position, industry and scale. Meanwhile, the paper analyzed the otherness of difficulties and police expectation of above 4 types of private businesses. Finally the paper summarized the overall characters of financing of private businesses in Tianjin, including bank loans presents only 30% of enterprise financing, credit availability fluctuated a lot between industries,informal lending used a lot even in large businesses, more channels cannot decrease financing deficit etc.,and then the paper made four suggestions accordingly.