中小企业发展关系型借贷的基础条件分析

国内外的研究认为,关系型借贷是解决中小企业融资中信息不对称的重要选择。但是,关系型借贷的实施应以银企间的相互信任关系、中小企业较好的信用状况、较高的社会诚信度、信贷员或行长高度的法律意识和职业素质以及银行规范的内部控制制度为基础条件,否则,实施关系型借贷既容易引发中小企业融资中的道德风险,又会加大银行不良贷款的成本。因此,根据我国中小企业和银行的实际情况,把信用借贷与关系型借贷相结合更具有优势。

Basic Conditions of Relationship Lending for Small/Medium-sized Businesses

According to the study on credit home abroad,the relationship lending is an important choice for small/medium-sized businesses to get rid of information asymmetry in financing.However,the implementation of relationship lending should be based on the mutual confidence between a bank and business,high credit rating of a small/medium-sized business and its reputed social integrity,deeply ingrained legal consciousness and professional competence of loaning staff and the head of a bank and its strict in-house control system,otherwise,the relationship lending will lead to not only the moral hazard,but also the increasing cost due to bad loan.Therefore,in view of the current situation of small/medium-sized businesses and in-house control system of banks in China,it's deemed that to combine the unsecured loan with relationship lending is preferable to simple relationship lending.