西南石油大学学报（社会科学版）
西南石油大學學報（社會科學版）
서남석유대학학보（사회과학판）
JOURNAL OF SOUTHWEST PETROLEUM UNIVERSITY(SOCIAL SCIENCES EDITION)
2014年
5期
7-12
,共6页
中小银行%中小企业%关系型贷款%融资%信用评级
中小銀行%中小企業%關繫型貸款%融資%信用評級
중소은행%중소기업%관계형대관%융자%신용평급
small and medium-sized banks%small and medium-sized enterprises%relationship lending%financing%credit rating
中小银行开展关系型贷款，不仅可以缓解中小企业融资难的社会问题，还能创造新的利润增长点。但是，目前关系型贷款没有得到中小银行和中小企业的广泛采用，原因主要在于中小银行自身定位不准确、信用评级制度不健全、存在“捆绑”风险以及相关法律制度不完善。转变中小银行的市场定位和信贷观念是促进中小银行开展关系型借贷的前提，完善的信用评级制度、存款保险制度和破产退出制度既是中小银行开展关系型贷款的有力保障，也是保护存款人利益、维护经济秩序稳定的重要保障。继续推进利率市场化改革，可以提高中小银行开展关系型贷款的积极性，保证关系型贷款的有序开展。
中小銀行開展關繫型貸款，不僅可以緩解中小企業融資難的社會問題，還能創造新的利潤增長點。但是，目前關繫型貸款沒有得到中小銀行和中小企業的廣汎採用，原因主要在于中小銀行自身定位不準確、信用評級製度不健全、存在“捆綁”風險以及相關法律製度不完善。轉變中小銀行的市場定位和信貸觀唸是促進中小銀行開展關繫型藉貸的前提，完善的信用評級製度、存款保險製度和破產退齣製度既是中小銀行開展關繫型貸款的有力保障，也是保護存款人利益、維護經濟秩序穩定的重要保障。繼續推進利率市場化改革，可以提高中小銀行開展關繫型貸款的積極性，保證關繫型貸款的有序開展。
중소은행개전관계형대관，불부가이완해중소기업융자난적사회문제，환능창조신적리윤증장점。단시，목전관계형대관몰유득도중소은행화중소기업적엄범채용，원인주요재우중소은행자신정위불준학、신용평급제도불건전、존재“곤방”풍험이급상관법률제도불완선。전변중소은행적시장정위화신대관념시촉진중소은행개전관계형차대적전제，완선적신용평급제도、존관보험제도화파산퇴출제도기시중소은행개전관계형대관적유력보장，야시보호존관인이익、유호경제질서은정적중요보장。계속추진리솔시장화개혁，가이제고중소은행개전관계형대관적적겁성，보증관계형대관적유서개전。
Relationship lending from small and medium-sized banks can not only alleviate small and medium-sized enterprises’ difficulty in financing, but also create profit rises for banks. However, relationship lending has not been widely adopted by small and medium-sized banks and enterprises. The reason mainly lies in inaccurate self-positioning of small and medium-sized banks, unsound credit rating system, the existence of “binding” risks, and defects in related legal systems. The transformation of market positioning and credit concept is the premise to promote small and medium-sized banks to carry out relationship lending. Perfect credit rating system, deposit insurance system, and bankruptcy exit system are guarantee for banks to carry out relationship lending, and safeguard for the interests of depositors and the stability of economic order. Continuous market-based reform of interest rates can enhance the initiative of small and medium-sized banks to carry out relationship lending, and can ensure the orderly development of relationship lending.
