关于构建我国商业银行与中小企业融资关系模式的思考

从我国的经济发展、法律建设、市场发育程度及政府调控能力等方面考虑，我国商业银行与中小企业融资关系的模式应是一种以市场为基础的契约型主办银行制度；作者在分析了契约型主办银行制度的涵义及主要特征的基础上，较为系统地阐述了我国商业银行与中小企业融资关系变成以市场为基础的契约型主办银行制度的现实意义。

A Reflection on Setting up the Model of the Financing Relationship between Our Commercial Banks and Small and Medium-sized Businesses

Considering the status and quo of our economic development,the promotion of the rule of law,the level of market development and the ability of the government's regulation and control,etc.,the mode of the financial relationship between our commercial banks and small and medium sized businesses should be contract type auspice banking system on the basis of market.The author makes a systematic exposition of its practical significance of the transition from the former to the latter through analyzing the implication and features of the latter.