银行往来关系研究理论及启示

在全球金融自由化和一体化的潮流下，银行业的竞争日趋激烈。随着信贷市场竞争的加剧，基于往来关系的银行业务正受到严峻挑战，银行往来关系也成为现代银行理论的热点问题和前沿课题。银行与企业往来关系是否存在，银行与企业往来关系的收益和成本如何衡量，银行往来关系的价值如何反映，都是值得深入探讨的问题。对银行往来关系领域相关问题的认真思考和准确把握，不仅对银行的发展战略和企业的融资决策具有重要意义，同时也是转轨经济金融制度设计理论的一个重要课题。

Review and Inspiration of Theory on Bank Relationship

Bank relationship has become an important area of scientific inquiry.This paper briefly reviews the contemporary literature on it.From there the authors discuss how relationship banking fits into the core economic services provided by banks and point at its costs and benefits.This leads to an examination of the interrelationship between the competitive environment and banking relationship as well as a discussion of the empirical evidence.