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随着我国经济结构调整的不断进行,经济形态发生了比较大的变化,银行等金融机构面临着比较大的市场竞争压力和挑战,中小企业在市场中的重要性越来越突出,银行需要更加地重视中小企业贷款业务。关系型贷款符合中小企业发展的实际,符合互联网时代的发展需要,对于满足中小企业的资金需求具有重要的意义。在新时期下需要重视关系型贷款在中小企业融资方面的研究,积极地完善关系型贷款产品,更好地服务中小企业的发展需要。
With the constant adjustment of the economic structure in our country, there has been a great change in the economic pattern. Financial institutions such as banks are facing more pressure and challenges in market competition. The importance of SMEs in the market is becoming more and more prominent. Banks need to be more Emphasis on SME lending business. The relationship-based loans meet the actual development of SMEs, in line with the needs of the development of the Internet era, to meet the funding needs of SMEs is of great significance. Under the new era, it is necessary to pay attention to the research of relational loans in the financing of SMEs, actively improve the relational loan products and better serve the development needs of SMEs.