本文通过货币政策传导渠道对保山市中小企业产出的作用环节分析入手,认为信贷渠道对保山市企业的作用条件和大小更加充分、显著,并结合企业融资结构理论对中小企业银行借贷的影响因素进行实证分析。然后从银行、企业双方关于贷款的成本—收益角度给出一个贷款利率定价模型及相关推论。最后,结合实证分析结论、模型推论提出政策建议,以期更好的推动企业发展。 Based on the analysis of the links between the monetary policy transmission channels and the output of Baoshan SMEs, this paper considers that the credit channels have a more adequate and significant effect on the enterprises in Baoshan City. Based on the theory of corporate financing structure, conduct empirical research. Then from the point of view of the cost and benefit of both banks and enterprises, this paper gives a loan pricing model and related corollary. Finally, combined with the conclusions of empirical analysis, the model reasoning put forward policy recommendations in order to better promote the development of enterprises.