日、美关系型融资制度对中国的启示

通过对日本和美国的关系型融资的特征、制度都大体相似。日、美关系型融资制度，对于降低商业银行为中小企业融资时的信息不对称状况新起到的作用是相当重要的。对于金融体制尚未开放的中国，大力发展关系型融资。应认真研究日、美两国的关系型融资制度，借鉴其成功经验以“筹集资金，分散风险”为经营目标，从而增强我国的金融系统效率和防范风险的能力。

Revelation to China of Japanese and American Relationship Finance System

The characteristic and system of Japanese and American relationship finance are similar,which is important to decrease information asymmetry when commercial banks finance for small and medium enterprises.In China,because the financing system is not open,we should research Japanese and American relationship finance and take their experience to reach the aim to "raise funds and disperse risks" when developing relationship finance,finally to increase the ability of financing system efficiency and preventing risks.