美国放松银行业地域管制与中小企业贷款

美国放松银行业地域管制后出现大规模的银行并购,但银行业的并购和跨区域扩张并没有使美国银行业市场过度集中和对中小企业贷款造成明显冲击。中国银行业可以从中得到有益启示:放开中小银行跨区域限制的同时必须保证足够数量的中小银行业机构,使银行市场保持适度的竞争;中小银行应更多立足本地,积极发挥对中小企业关系型贷款优势;大型银行发展中小企业贷款必须进行贷款技术创新,以降低对中小企业交易型贷款成本。

US Banking Geographic Deregulation and Small-Medium Business Credit

The banking deregulation in US is accompanied with bank mergers,while the banking consolidation and geographic expansion have not led to an excessive banking concentration and a clear negative impact on the availability of small-medium business credit.The experiences for China go as follows: there should be sufficient small medium sized banking institutions with the geographic deregulation process,so that the adequate market competition can be maintained;the small medium-sized banks should concentrate on local market taking full advantages of relationship lending to smallmedium firms;the large banks should have credit technical innovations to decrease the cost of transaction-based lending in order to develop small-medium business credit.