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2008年的金融危机,给全球的经济带来巨大冲击,也给金融机构的生存和发展带来了严峻的挑战。然而,在危机过后,中小银行的信贷优势却逐渐显现,主要体现在对中小企业金融服务上的信贷成本优势上,此优势有利于中小银行竞争力的形成。本文从分析中小商业银行发展所面临的问题出发,深入探讨中小银行对中小企业金融服务上所具有的优势,力求促进我国中小银行的健康发展。
The financial crisis in 2008 brought tremendous impact on the global economy and posed a serious challenge to the survival and development of financial institutions. However, after the crisis, the credit advantages of small and medium-sized banks gradually emerged, mainly reflected in the credit cost advantages of financial services for small and medium-sized enterprises. This advantage is conducive to the formation of the competitiveness of small and medium-sized banks. Based on the analysis of the problems faced by the development of small and medium-sized commercial banks, this paper explores the advantages of small and medium-sized banks in providing financial services to SMEs in an effort to promote the healthy development of small and medium-sized banks in China.