城市商业银行效率分析:基于关系型借贷的视角

An Empirical Research of City Commercial Bank's Efficiency in the Perspective of Relationship Lending

小微企业由于信息不对称、信誉度较低以及信贷规模小等原因导致其融资难、融资贵,银行在考虑风险和收益的情况下一般更愿意将贷款投向经营稳定的大企业,小微企业生存困境和存在的利益空间急需相匹配的银行来解决这一问题。本文就我国小微企业关系型借贷的社区银行效率问题进行了理论和实证分析,研究结果发现银企关系型借贷可以提高社区银行的筛选效率,降低不良贷款,增加银行利润和提高对小微企业借贷的支持力度。

Due to the asymmetric information,lower credibility and smaller credit scale,Small micro enterprises suffer financing difficulties.Generally,banks are more willing to loan to operational stability of large enterprises in consideration of the risks and benefits.So because of the survival predicament and the interests of the small micro enterprises,the banks which can solve this problem are in urgent need.The article will analyse the efficiency of our country community bank in the situation of providing the relational lending for the small enterprises theoretically and practically.The results indicate the fact that relational lending can improve the filtering efficiency of community banks,reduce the proportion of nonperforming loans,increase the profits of the bank and provide more support to the small micro enterprise.