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一、银企关系的基本规定性现代社会中经济主体间的融资关系及其交互行动,通常被称为金融交易。银行等金融机构的形成作为金融交易的组织制度安排,克服了经济主体直接金融交易的局限,降低了金融交易费用。以银行为信用中介的间接融资的发展,丰富和扩大了金融交易关系,提高了金融资源配置的效率,同时也形成了银行与企业间的金融交易关系,即银企关系。经济主体储蓄与投资职能的分离和现代企业的发展,使企业融资结构表现为两种形式:内源融资和外源融资。内源
I. Basic regulations of bank-enterprise relations The financing relationships and interactions between economic entities in modern society are often referred to as financial transactions. The formation of financial institutions such as banks, as an institutional arrangement for financial transactions, overcomes the limitations of direct financial transactions by economic entities and reduces financial transaction costs. The development of indirect financing with banks as a credit intermediary has enriched and expanded the financial transaction relationship, improved the efficiency of the allocation of financial resources, and at the same time formed a financial transaction relationship between banks and enterprises, namely the relationship between banks and enterprises. The separation of economic entities’ savings and investment functions and the development of modern enterprises make the corporate financing structure manifest in two forms: intrinsic financing and external financing. Inner source