关系型贷款与中小企业融资

本文认为中小企业融资难的根本原因在于其信息的不可得性和不可控性。文章简要介绍了国外银行开发的多种形式的贷款技术,着重分析了“关系型贷款”(相对于其他形式贷款而言)能更好服务于中小企业融资的原因。最后,文章指出了“关系型贷款”在实际运用过程中存在的问题,并就“关系型贷款”在我国中小企业融资中的推行提出了相关政策建议。

This paper points out that small-and medium-sized enterprises'(SMEs )lack of access to finance is due greatly to their opaque,uncontrollable information.Next ,we introduce briefly the distinct lending technologies de-veloped by banks,analyze why relationship lending plays a more important role in small-and medium-sized enter-prises financing than transaction-based lending,and point out the problems in applying relationship lending to fi-nancing small-and medium-sized enterprises.Finally,we make some policy suggestions.