本文论证银行抵押资产观念创新,银企长期合作的声誉机制能够降低信贷风险。中小银行与中小企业长期合作是实现银行抵押资产观念创新、建立守信声誉机制的重要途径。 This paper argues that the concept of bank mortgage assets innovation, long-term bank-enterprise reputational mechanism to reduce credit risk. Long-term cooperation between small and medium-sized banks and small and medium-sized enterprises is an important way to innovate the concept of bank mortgage assets and establish a creditworthiness mechanism.