Although the number of private enterprises accounts for 80% of the total number of enterprises in my country, the position of private enterprises in terms of specific economic volume is still not high, especially the financing channels of private enterprises are very single. Although in recent years, the Chinese government has strengthened its support for private enterprise financing, the difficulty in raising funds and the shortage of working capital are still the main obstacles to the healthy find list development of private enterprises. According to the investigation of relevant institutions, the funds of private enterprises mainly come from the accumulation of enterprises themselves. Private enterprises mainly raise funds through loans from relatives and friends or through private credit departments. Only less than 20% of private enterprises can raise the funds they need through financial institutions. It can be said that the singleness of private enterprise financing channels seriously affects the healthy development of private enterprises.