我国中小银行与中小企业的关系型借贷分析-analysis of relationship lending between small and medium - sized banks and smes in china.docxVIP

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我国中小银行与中小企业的关系型借贷分析-analysis of relationship lending between small and medium - sized banks and smes in china.docx

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我国中小银行与中小企业的关系型借贷分析-analysis of relationship lending between small and medium - sized banks and smes in china

AbstractAseveryoneknows,smallandmedium-sizedenterpriseshasmadeimportantcontributionstoourcountryssustainableeconomicdevelopmentandsocialharmonyandstability,buttheyfacedifficultiesinfinancing.Ononehand,thisisbecauseofitssmallscale,highriskofoperation,unsoundinternalmanagementandfinancialsystem,insufficientcollateral,andpoorcredit.Ontheotherhand,thisisbecausethatChinasfinancialenvironmentisnotgood.Atpresentinvariousfinancingways,bankloanisanimportantchannel,butthischannelisnotsmooth.Thispaperstudiesthat,asawayofbankloan,relationshiplendingplaysapositiveroleinrelievefinancingdifficultiesofsmallandmediumenterprises,andthepathofcarringoutrelationshiplending.Relationshiplendingoriginatedinthewest.Inordertoovercometheinformationsymmetry,banksandenterprisesesestablishastable,closelyandrelativelyclosedtradingrelationshipthroughthelong-termandmulti-channelcontacts.Basedontheaccumulationofenterpriseprivateinformation,bankidentifyenterprisequality,judgeloanrisk,andthenofferloans.Comparedtothemarkettransactionlending,relationshiplendinghasmoreadvantages.Itcanrelievefinancingdifficultiesofsmallandmedium-sizedenterprisesfromthreeaspects,asfollows,increasetheenterpriseloanaccessibility,reducemortgagerequirements,andenterprisefinancingcosts.relationshiplendingalsohasthefunctionofincubator,itcanhelpenterprisesthroughtheirfinancingdifficultperiodingrowthcycle.Atthesametimerelationshiplendingcanbringskindsofrichrentsforbanks.Thebankcandigoutmoreandmorehigh-qualitysmallandmedium-sizedenterprises,andthisisconducivetothedevelopmentofthebanks.Relationshiplendingbringtheimprovementoftherevenueforbothbanksandenterprises,thisiswin-windevelopmentofbankandenterprisethroughlong-termrepeatedgames.Banksandenterpriseshavedynamictodevelopeandmaintainrelationshiplending.Inourcountry,relationshiplendinghasthefeasibilityofimplementation.Howtopromoterelationshiplendingandmaximizetheadvantageofrelationshiplendinginourcountry.Inthispaper,byanalyzingsmallandmedium-sizedbankhasacomparativeadvantageinSME’rel