美国服务中小企业融资的商业银行模式  

Commercial Bank Mode for the Financing of SMEs of US

作　　者：石天唯[1,2] 安亚人[1] 

机构地区：[1]东北师范大学经济学院,吉林长春130117 [2]吉林工商学院会计学院,吉林长春130507

出　　处：《税务与经济》2016年第2期44-50,共7页Taxation and Economy

基　　金：吉林省马克思主义理论研究和建设工程专项课题"吉林省中小企业融资风险及其成本控制研究"(项目编号:2013M1);"吉林省‘三农’金融服务体系的构建研究"(项目编号:2013M8)

摘　　要：信息不对称是中小企业融资难的根本原因,而关系型融资是有效解决信息不对称问题的融资模式。美国银行业市场经验证明,服务中小企业融资的商业银行模式也就是能够激励关系型借贷融资的商业银行模式。该模式的基本条件是银行将战略经营目标定位于中小企业融资。在此前提下,服务中小企业融资的大型银行模式为具备分权管理模式或运用SBCS模型两条件之一者;服务中小企业融资的中小型银行模式则为同时具备经营规模小、业务范围区域性、组织结构扁平化、所有权与管理权合一之四个条件者,即中小型区域性民营银行。Asymmetric information is the underlying cause for the financing of SMEs, while relationship financing is the effective solution to this problem. The market experience of American banking proves that the commercial bank mode for the financing of SMEs is the commercial bank mode which could stimulate relationship lending and financing. The basic condition of this mode is that the operating goal of banks are for the financing of SMEs. Un- der this circumstance, the large banking mode of serving the financing of SMEs should meet one of two condi- tions： decentralized management mode and SBCS mode. The small and medium sized bank mode serving the financing of SMEs should have four condition： small business scale; regional business scope; flat organizational structure; the unity of ownership right and management right. These banks are small and medium sized regional private banks.

关 键 词：中小企业融资 商业银行模式 关系型贷款 美国 民营银行 

分 类 号：F833.837[经济管理—金融学]