中小微企业作为国民经济不可缺少的一部分,对社会主义市场经济的发展起着不可

替代的作用。然而,作为中小微企业生产要素的最关键组成部分一一资本,却在某种程

度上制约着中小企业的发展。解决中小微企业融资难题,可以为中小微企业提供更有效

的资金获得渠道,从而发挥中小微企业的力量,促进国民经济多元化健康的发展。

本文以关系型贷款为研宄对象,力图分析关系型贷款对于解决中小微企业融资难题

的作用。在总结和归纳国内外相关研宄成果的基础上,做了如下工作:首先介绍了中小

微企业的定义和划分范围,并分析了中小微企业融资的特性,介绍了中小微企业融资的

相关理论基础。然后,介绍了关系型贷款的基本原理,并分别从资金供求、成本收益与

博弈论三个角度,对关系型贷款解决中小微企业贷款难题作出了经济学解释。接着,从

实践的角度出发,在总结归纳美、日、德三国关系型贷款发展模式的基础上,对我国发

展中小微企业关系型贷款的模式进行分析,为模式的选择提出了一定建议,并对当前我

国关系型贷款的具体运用模式进行了分析。最后,以上海银行为案例,对其运用关系型

贷款原理开展中小微企业贷款业务进行了研究,分别从经营策略、产品设计、组织构架、

业务流程等方面进行介绍,并对某中小微企业关系型贷款决策的实际案例进行评述,指

出上海银行在开展中小微企业关系型贷款中取得的成效,存在的不足,并提出相应的改

进建议。

关键词:中小微企业融资困境商业银行关系型贷款

ABSTRACT

The Small and Medium-sized Enterprise (SME), as an indispensable part of national

economy, plays an irreplaceable role in the development of the socialist market

economy.However, capital, as the most critical component of production factors, to some

extent restricts the development of SMEs.Solving the financing problems of SMEs could

provide more effective funding channels, which strengthens the power of SMEs and promotes

the diversified and healthy development of national economy.

Relationship lending is the research object of this paper.The purpose of this paper is to

analyze the role relationship lending plays in solving financing problems of SMEs.On the

basis of summarizing and generalizing relevant research results, the following work has been

done: Firstly, this paper described the definition and classification range of SMEs, analyzed

financing characteristics of SMEs and introduced financing related theoretical basis.Secondly,

this paper described the basic principles of relationship lending and made economic

explanation to why relationship lending could solve financing problems of SME from three

perspectives, “capital supply and demand”, “cost-benefit” and “game theory,,,

respectively.Thirdly, based on summarizing the relationship lending development mode of

U.S., Japan and Germany, this paper analyzed the specific application mode of current

relationship lending in China and put forward some suggestions for the choices of

mode.Finally, this paper took Bank of Handan as a case to study how to use relationship

lending principles to undertake loan business towards SMEs and it was introduced from

business strategy, product design, organization structure, business process and other aspects.In

addition, this paper reviewed an actual case of relationship lending for SMEs and pointed out

achievements and shortcomings of Bank of Handan in the development of relationship

lending for SMEs and put forward corresponding improvement suggestions.

This paper systematically studied the application of relationship lending at commercial

banks and built a credit rating model based on index weight calculation and a pricing model

of relationship lending.Besides, this paper undertook specific analysis of SMEs' loan at Bank

of Handan, which is the research characteristic of this paper.Due to my limited time and

ability, the paper has some shortcomings on innovation of specific operation mode for

relationship lending and long term maintenance of relationship between banks and SMEs.This

is also the direction of further research.

Keywords: Small and Medium-sized Enterprises. Relationship Lending. Commercial Bank,

Financing Difficulties