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从银企关系的角度出发,分别分析银企关系对中小企业融资可获得性与融资成本的影响,并在此基础上分析银行业结构是否对中小企业融资有影响。理论分析认为,在银企关系中,关系持续时间、合作银行数量、存款集中度、往来频率和关系资源等级都对中小企业信贷可得性有影响。因此,建立良好的银企关系可以较好地克服融资难的问题。最后分别从中小企业、银行和政府角度出发,对构建更好的银企关系提出相应的对策。
From the perspective of relationship between banks and enterprises, this paper analyzes the impact of relationship between banks and enterprises on the availability of financing and the financing cost of SMEs, and on this basis, analyzes whether the banking structure has an impact on the financing of SMEs. According to the theoretical analysis, in the relationship between banks and enterprises, the duration of the relationship, the number of cooperative banks, the concentration of deposits, the frequency of contacts and the level of relational resources have an impact on the availability of credit of SMEs. Therefore, establishing a good relationship between banks and enterprises can better overcome the difficulties of financing. Finally, from the perspectives of small and medium-sized enterprises, banks and governments respectively, we put forward corresponding countermeasures to establish a better relationship between banks and enterprises.