我国中小银行与中小企业的关系型借贷研究

发布时间：2018-01-11 09:11

本文关键词：我国中小银行与中小企业的关系型借贷研究　出处：《湘潭大学》2012年硕士论文　论文类型：学位论文

【摘要】：众所周知，中小企业为我国经济的持续发展以及社会的和谐稳定作出了重要贡献，但是中小企业面临的融资难却是其发展的一大瓶颈。究其原因，一方面在于中小企业自身存在着规模小、经营风险高、内部管理及财务制度不健全、缺乏足够抵押品、信用状况差等原因；另一方面在于我国金融环境不佳对中小企业融资造成的负面影响。目前在我国中小企业的各种融资方式中，银行信贷是中小企业选择的一个重要渠道，但是这条渠道并不畅通。本文研究作为银行信贷方式之一的关系型贷款对缓解中小企业融资困境的积极作用，以及开展关系型贷款的路径选择。关系型贷款兴起于西方，它是为了克服银企之间的信息不对称，银行与企业通过长期和多渠道的交往，从而建立稳定、密切且相对封闭的交易关系，银行基于所积累的企业私有信息甄别企业优劣、判断贷款风险，进而发放贷款的行为。与市场交易型贷款相比，关系型贷款在解决中小企业融资难问题上的优势显著。关系型贷款可以从增加企业贷款可得性、降低抵押要求、减少企业融资成本三个方面起到缓解中小企业融资困境的作用，关系型贷款还具有“孵化器”的功能，能够帮助企业渡过其成长周期中融资的艰难时期，同时关系型贷款能够为银行带来各种丰富的租金，发掘出更多优质的中小企业，有利于银行的发展。关系型借贷为企业和银行双方带来收益的提高，是一种银行与企业经过长期重复博弈而获得的共赢发展结果，银行和企业都有动力发展和维持关系型借贷，在我国具有实施的可行性。如何在我国推广关系型贷款，最大限度发挥关系型贷款的优势，本文通过分析中小银行在中小企业关系型贷款上具有的比较优势，以及选取国内外中小银行开展关系型贷款的成功案例，总结他们的成功经验，提出我国应该将中小银行作为关系型贷款实施和推广的主体。最后本文从三个方面提出我国发展中小企业关系型贷款的建议：首先，中小企业必须加强自身建设，提高素质；其次，中小银行应强化自身为中小企业服务的市场定位以及充分利用自身优势同企业建立长期合作关系；再次，对关系型贷款要求的社会信用环境进行改善，，加快征信体系建设。
[Abstract]:It is well known that small and medium - sized enterprises have made important contributions to the sustained development of our economy and the harmonious stability of society , but the financing difficulties faced by small and medium - sized enterprises are the bottleneck of their development . On the other hand , in the financing methods of small and medium - sized enterprises , bank credit is an important channel for small and medium - sized enterprises . The relationship type loan has the function of easing the financing difficulty of the small and medium - sized enterprises through long - term and multi - channel exchanges , and the relationship - type loan has the function of easing the financing difficulty of the small and medium - sized enterprises . How to promote the relationship type loan in our country to maximize the advantage of the relationship type loan , this paper analyzes the comparative advantage of the small and medium - sized banks in the small and medium - sized banks , and selects the successful cases of the relationship - type loans between the primary and middle - sized banks at home and abroad , summarizes the successful experiences of them , and points out that China should adopt the small and medium - sized banks as the main body of the relationship type loan implementation and promotion . At last , the paper puts forward the proposal of developing the relation - type loan of small and medium - sized enterprises in China from three aspects : firstly , the small and medium - sized enterprises must strengthen their own construction and improve the quality ; secondly , the small and medium - sized banks should strengthen their market orientation for the small and medium - sized enterprises and establish long - term cooperative relations with the enterprises by using their own advantages ; and once again , improve the social credit environment required by the relationship type loan , and accelerate the construction of the credit system .

【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4;F276.3

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