关系型贷款视角下的中小企业融资问题研究

关系型贷款是银行金融机构基于与企业的长期交易往来,获取的关于企业本身及其投资人的私人信息而对企业提供的一种融资服务。关系型贷款有助于提高融资效率;可以有效解决中小企业的融资困难,改善其资金短缺状况;可以降低银行的信息成本,获得高额回报。在我国发展关系型贷款既存在有利因素,如良好的社会文化背景、良好的社会经济条件和有益的实践探索;也面临着诸多不利因素,主要包括:中小企业自身素质不高、融资市场体系不完善、非正规金融发展欠规范。为此,我国的中小企业应当加强自身素质修炼;金融机构应当推进业务创新;政府层面应继续推进利率市场化改革,建设多层次资本市场体系,为关系型贷款在我国的推行和发展创造良好的条件。

Relationship lending refers to a kind of financing services provided by a banking institution in accordance with the information of enterprise and its investors obtained from long - term transactions. The relationship lending helps to increase the financing efficiency, effectively solve the financing difficulties of SMEs, improve the situation of fund shortage, reduce bank costs and get high returns. In the development of relationship lending in China, there are favorable factors, such as good social and cultural backgrounds, good socio - economic conditions and beneficial practical exploration, while unfavorable factors include low quality of SME, incomplete financing market system and less standardized informal financial development. To this end, China＇ s small and medium enterprises should strengthen the cultivation of their own qualities; financial institutions should promote business innovations; governments should continue to promote the market -oriented interest rate reform and build a multi - level capital market system as to create a good condition for implementation and development of the relationship lending in our country.