中小企业关系型贷款的价值与发展对策  

Value and Development of SMEs Relationship Lending

作　　者：吴洁[1] 

机构地区：[1]南京师范大学商学院,江苏南京210097

出　　处：《审计与经济研究》2007年第5期85-87,112,共4页Journal of Audit & Economics

摘　　要：关系型贷款是一种有助于增进银企双方价值的金融中介活动。对于中小企业来说,关系型贷款是缓解银企间信息不对称、改善企业融资状况的有效途径之一。我国应大力发展中小企业关系型贷款。Relationship lending is a financial intermediation activity which adds value to both banks and enterprises, specially for those SMEs. Relationship lending could function as one of the effective channels to adjust the information imbalance between banks and enterprises, and thus improving the financing situation. This paper aims to analyze the conditions of forming relationship lending on the basis of the current status and concludes that efforts should be made to develop SMEs relationship lending in China.

关 键 词：关系型贷款 中小企业 商业银行 

分 类 号：F830.5[经济管理—金融学]