论银行关系借贷的价值与风险

On the Value and Risk of Banking Relationship Lending

在信贷市场上,商业银行与企业通过保持密切的联系来沟通信息,提高融资效率,关系借贷的方式被普遍采用。本文具体分析了关系借贷对银企双方的价值以及其内在的风险因素。交易各方只有按照市场规律的要求,共同维系健康、稳定与和谐的银企关系,才能规避风险,获得收益。

In the credit market, the commercial banks and the enterprises keep a close relationship in order to communicate information and enhance financing efficiency, which leads to the widespread adoption of relationship lending. This paper analyzes the value that both partners will obtain in relationship lending, as well as some risks they will face. Only when commercial banks and enterprises hold the healthy, steady and hamonious bank-firm relationship according to the market disciplines, can they avoid risks and obtain benefit.