企业融资受信贷制度约束,从中国的实践看,信贷活动中的制度结构主要涉及到产权性质、管理模式、经营规模和信贷产品。商业银行与工商企业在管理模式,经营规模和信贷产品上的匹配,能够增强借贷双方的信用关系与融资效率,由此形成企业融资的信贷制度结构。中国金融改革滞后于经济改革,导致中小工商企业迅速发展与中小商业银行建设滞后,由此带来信贷制度结构不对称,致使广大中小工商企业无法从现有银行体系中获得相对充分与持续的信贷支持。需要加快金融体制改革,加强中小商业银行体系建设,通过建立规范化制度化的融资渠道与信贷机制,来为中小工商企业发展提供相对充分与持续的信贷支持。 According to the practice of China, the institutional structure of credit activities mainly involves the nature of property rights, management mode, scale of operation and credit products. The matching between commercial banks and industrial and commercial enterprises in their management mode, operation scale and credit products can enhance the credit relationship and financing efficiency of both borrowers and lenders, thus forming a credit system structure for corporate financing. China’s financial reform lags behind economic reform, resulting in the rapid development of small and medium-sized industrial and commercial enterprises and the lag in the construction of small and medium-sized commercial banks. As a result, the credit system has been structurally asymmetric, resulting in the inability of the majority of small and medium-sized industrial and commercial enterprises to obtain relatively adequate and sustained credit from the existing banking system stand by. We need to speed up the reform of the financial system, strengthen the system construction of small and medium-sized commercial banks, and provide relatively adequate and sustained credit support for the development of small and medium-sized industrial and commercial enterprises through the establishment of standardized and institutionalized financing channels and credit mechanisms.