“小银行优势”的理论突破与实践新进展

New Breakthrough in Theory and Practice of Advantages of Small Banks

传统的理论观点认为小银行在中小企业信贷方面具有比较优势,并且主要依赖关系信贷技术,而大银行在开展中小企业信贷方面,存在着信息不对称、组织规模不利于软信息传递等方面的劣势。但近年来的理论与实践置疑传统观点的正确性。学术界认为,实施新资本协议、信贷技术的提升以及大型银行的优势,使得其开展中小企业信贷将比中小银行更具有优势。在中小企业信贷的国际实践中,新加坡淡马锡、美国富国银行、印尼金融银行等大型金融机构以及美国硅谷银行、孟加拉格莱珉银行等中小银行在中小企业信贷方面已经获得巨大的发展,并已形成各具特色的业务模式。中国银行业已经开始重视中小企业信贷业务的发展,可以从中学习与借鉴国外银行业的发展经验。

The traditional academic view holds that the small banks have comparative advantage on SMEs lending and mainly relies on relationship lending. However, recently the theories and practice have proven that this view should be justified. Some viewpoints have been put forward that big banks also have comparative advantage on SMEs lending and international banking industry made great progress in this field and have formed variable distinctive business mode, which is a good example for domestic counterparts. Temasek Holdings, Wells Fargo bank, Grameen Bank, Bank Danamon Indonesia and Silicon valley bank have made great progress in SMEs lending and are such good examples. China＇ s banking sector has began to pay attention to SMEs lending and would learn experience from overseas.