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关系型贷款是银行的一种融资服务,目的在于能与企业进行长期的交易往来。这将有助于提高融资率,可以有效地解决企业融资难的问题,避免企业的资金链产生断裂,改善其资金紧张状况。从某种角度讲还可以降低银行的信息成本,使银行获得高额的回报。我国在发展关系型贷款的过程中既存在有利因素也存在不利因素,面对关系型贷款发展所面临的问题,笔者提出几点对策,望有助于我国关系型贷款视角下的中小型企业融资问题的解决。
Relationship-based loans are a kind of financing service of the bank, which aims to conduct long-term transactions with the enterprises. This will help to raise the financing rate, effectively solve the problem of corporate financing difficulties, prevent the enterprise’s capital chain from breaking down and improve its financial situation. From a certain point of view can also reduce the cost of information banks, banks get a high return. In the process of developing relationship-based loans in our country, there are both favorable and unfavorable factors. In the face of the problems faced by the development of the relationship-based loans, the author puts forward some countermeasures in the hope of contributing to the financing of small and medium-sized enterprises Problem solving.