中小企业发展关系型借贷的基础条件分析  

Basic Conditions of Relationship Lending for Small/Medium-sized Businesses

作　　者：钟田丽[1] 高源[1] 

机构地区：[1]东北大学工商管理学院,辽宁沈阳110004

出　　处：《东北大学学报（社会科学版）》2006年第2期110-113,共4页Journal of Northeastern University(Social Science)

基　　金：国家社会科学基金资助项目(04BJY030)

摘　　要：国内外的研究认为,关系型借贷是解决中小企业融资中信息不对称的重要选择。但是,关系型借贷的实施应以银企间的相互信任关系、中小企业较好的信用状况、较高的社会诚信度、信贷员或行长高度的法律意识和职业素质以及银行规范的内部控制制度为基础条件,否则,实施关系型借贷既容易引发中小企业融资中的道德风险,又会加大银行不良贷款的成本。因此,根据我国中小企业和银行的实际情况,把信用借贷与关系型借贷相结合更具有优势。According to the study on credit home abroad, the relationship lending is an important choice for small/medium-sized businesses to get rid of information asymmetry in financing. However, the implementation of relationship lending should be based on the mutual confidence between a bank and business, high credit rating of a small/medium-sized business and its reputed social integrity, deeply ingrained legal consciousness and professional competence of leaning staff and the head of a bank and its strict in-house control system, otherwise, the relationship lending will lead to not only the moral hazard, but also the increasing cost due to bad lean. Therefore, in view of the current situation of small/medium-sized businesses and in-house control system of banks in China, it＇s deemaed that to combine the unsecured lean with relationship lending is preferable to simple relationship lending.

关 键 词：中小企业 关系型借贷 信用借贷 道德风险 

分 类 号：F276.3[经济管理—企业管理] F832.4[经济管理—国民经济]