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在我国国民经济中,中小企业占据非常重要的位置,但是,中小企业一方面需要巨大的资金需求,另一方面很难从商业银行获取充足的贷款,这种资金供需的矛盾直接影响了企业的生存和发展。近几年,关系融资成为改善我国中小企业融资状况的重要手段,但具体应用仍需要进一步的探讨和研究。本文中,笔者就主要阐述了中小企业融资和关系融资理论的相关概述,并列举了国外部分关系融资的模式,最后探讨了运用关系融资改善我国中小企业融资状况需要注意的几个方面,以供参考。
In our country’s national economy, SMEs occupy a very important position, however, SMEs on the one hand need huge funding needs, on the other hand it is difficult to obtain sufficient loans from commercial banks, this contradiction between supply and demand of funds directly affects the business Survival and development. In recent years, relational financing has become an important means to improve the financing of SMEs in China, but the specific application still needs further exploration and research. In this article, I mainly elaborated on the SMEs financing and relationship financing theory overview, and cited some of the foreign relationship financing model, and finally discussed the use of relationship financing to improve the financing of SMEs in China need to pay attention to several aspects for reference.