伴随现代金融中介理论的不断发展,人们对银行中小企业贷款问题的研究也取得了实质性的进展。在信息不对称的基础上,国外学者对银行的经营模式加以探讨,由此证明银行贷款可以满足中小企业融资的需求。目前,中小企业贷款在发展中国家及发达国家的银行中均得到开展性的突破,其在未来市场竞争的影响、贷款技术的组合以及转轨型国家中均具有广泛的前景。 With the continuous development of modern financial intermediary theory, people have also made substantial progress in the research of bank loans to SMEs. On the basis of information asymmetry, foreign scholars discuss the business model of banks, which proves that bank loans can meet the financing needs of SMEs. At present, SME loans have made breakthroughs in banks in both developing and developing countries. They have broad prospects for future market competition, loan technology portfolios and transition-oriented countries.