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银行与企业是经济系统的重要组成部分,银企的良好关系有利于提高社会资源的配置和使用效率,促进国民经济的健康协调发展。在金融脱媒的趋势下,我国银企的信贷关系发生了变化,出现了银行客户流失乃至收益下降而企业融资成本较高等非共赢的情况,须进行调整。本文运用最新数据系统详细地分析了金融脱媒对银企关系的影响及构建新型互动银企关系的必要性,并在借鉴国外成功经验基础上结合我国实际情况提出相应的对策。
Banks and enterprises are an important part of the economic system. The good relations between banks and enterprises are conducive to improving the allocation and use efficiency of social resources and promoting the healthy and coordinated development of the national economy. Under the trend of financial disintermediation, the credit relations between banks and enterprises in our country have changed. There has been a non-win-win situation such as the loss of bank customers and even the decline of revenue while the cost of financing for enterprises has to be adjusted. This article uses the latest data system to analyze in detail the impact of financial disintermediation on the relationship between banks and enterprises and the necessity of establishing a new interactive relationship between banks and enterprises. Based on the successful experiences of other countries, the paper puts forward corresponding countermeasures based on the actual situation in our country.