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当前全球经济发展疲软,融资难问题制约小微企业进一步发展壮大的态势愈加明显,本文主要从银行金融机构对企业的贷款模式的角度来分析,对适合临沂这个以小型商贸物流为特色的广大小微企业的融资贷款模式进行适应性的选择,认为在关系型贷款模式下,对关系租金收益的合理分配可以实现利润的跨期补偿,尤其大型国有银行更有相对优势并能为广大小微企业进行企业的发展壮大提供更可靠的融资支持。
The current global economic development is weak, the problem of financing difficulties restricting the further development of small and micro enterprises more obvious trend of growth, this paper mainly from the bank’s financial institutions to enterprises in the perspective of loan mode of analysis, suitable for small businesses in Linyi as the characteristics of large and small The micro-enterprise financing loan model adapts to the choice. Under the relational loan model, the reasonable distribution of the relationship rental income can realize the intertemporal compensation of profits, especially the large state-owned banks have more relative advantages and can provide benefits to the majority of small and micro enterprises To carry out business development and growth to provide more reliable financing support.