共生关系与中小企业融资模式的创新研究——兼论我国“社区银行”的构建

Research on Innovation of Small and Medium-sized Enterprise Financing Mode

我国中小企业融资难一直制约着中小企业的发展。本文对美国社区银行与中小企业之间金融共生性进行相关性分析,在此基础上提出根据中国金融业的实际情况及现状,构建出有中国特色的"社区银行"。

In China the development of small and medium-sized enterprises has been restricted by financing diffi- culty. The author makes the correlation analysis on financial symbiosis between the American community banks and small and medium-sized enterprises. According to the actual situation of China＇ s financial industry and current situa- tion, the author builds Chinese characteristic ＂community bank＂.