大银行信贷与中小企业融资的适配性问题研究

传统意义上，人们认为大银行信贷不适合中小企业融资,文章研究认为大银行是否适合中小企业，要考虑两个关键问题：首先是企业本身处于哪个阶段，由于风险和收益的影响，大银行不适合向初创期和衰退期的企业放贷，而处于成长期或成熟期且具有发展潜力的企业应该成为银行的主要服务对象；其次是银企之间的信息不对称，阻碍了大银行向中小企业贷款。在中小企业信用系统不健全，银行欠缺高效的贷款技术之前，大银行不适合直接面向中小企业贷款，而应该借助信息中介，例如民间金融、中小银行、电子商务平台等，才能提高银行的贷款效率，缓解中小企业融资难和融资贵的问题。

Research on Matching Pattern between Large Bank Credit and SMEs Financing

Traditionally, people think that bank credit is not suitable for SMEs financing. Our studies suggest that two key problems should be solved. First is the position of the enterprise. Due to the impact of risk and return, the big banks are not suitable for offering loans to enterprises in the start-up period or recession, while companies in the growing stage or in the mature stage, with the development potential, should be the main service object of the bank. In addition, the information asymmetry between banks and enterprises hinders the bank loans to SMEs. If the SMEs credit system is not perfect and banks lack efficient technology, large banks are not supposed to offer loans directly to the SMEs. Instead, they should use information intermediaries, such as folk finance, small and medium-sized banks, and e-commerce platform, in order to improve the efficiency of bank loans and to alleviate the SMEs financing problem.