中小企业的关系型借贷与银行组织结构

本文围绕融资中的信息种类与银行组织结构的关系 ,分析了银企之间的关系型借贷对于中小企业融资的作用 ,并通过一个权衡信息成本与代理成本以寻求最优贷款决策位置的组织理论模型 ,证明了在关系型贷款上的小银行优势。文章还提出了需要进一步研究的问题 ,以及就我国银行业结构变化对中小企业融资的影响提出了政策建议。

Relationship Lending to Small Business and the Bank Organizational Structure

Based on the relation between information categories in finance and the bank size,this article analyzes the role of bank-borrower relationship to small business.And by elaborating an organizational theory model on trade-off between information costs and agent costs for the best loan decision-making,the article has proved the advantage of small banks in relationship loan.In this article,we also enumerate the problems for further study.And at the same time we give some policy advice on the influence of the changes of banking sector structure in our country on small business financing.