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银企关系是我国国民经济中最重要的经济关系之一,在经济增长和社会发展中占有举足轻重的地位,其发展对于我国经济结构调整和产业结构优化乃至整个社会资源的有效配置具有不可替代的作用,并日益成为政府部门及社会各界广泛关注的焦点话题。对于银企关系的概念理解目前存在着两种方式:从广义上讲,银企关系是指银行与企业之间的一切关系的总和,它包括银行与企业的相互信任关系、融资关系、控制权关系等等,从契约经济学的角度讲,银行与企业的关系实际是银行与企业之间的一组契约组
The relationship between bank and enterprise is one of the most important economic relations in the national economy of our country and occupies a pivotal position in economic growth and social development. Its development is irreplaceable for the economic restructuring and optimization of industrial structure and the effective allocation of the entire social resources Role, and increasingly become the focus of attention of government departments and various sectors of society. There are two ways to conceptualize the relationship between banks and enterprises: In a broad sense, the relationship between banks and enterprises refers to the sum of all the relationships between banks and enterprises. It includes the mutual trust between banks and enterprises, the relationship between financing and control Relationship and so on. From the perspective of contract economics, the relationship between banks and enterprises is actually a set of contract groups between banks and enterprises