民营银行、交易成本与中小企业融资

On the Private Banks,Transaction Cost and SME Finance

相对于大型银行来说,民营中小型银行在向中小企业提供融资服务时所承担的交易成本更低。而中小企业向民营中小型银行借贷的交易成本也要低于向大型银行借贷的交易成本。因此,有必要促进民营中小型银行的发展,在一定程度上缓解中小企业融资困难。

The transaction cost undertaken in the financing service for small and medium-sized enterprises （SME） by those small and medium--sized private banks （SMPB） is even lower than that by large banks while the transaction cost un- dertaken in the loan from SMPB by SME is also lower than that from large banks. It is hence necessary to promote the de- velopment of SMPB for the alleviation of financing difficulties to some extent.