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金融中介理论认为,关系型融资能有效克服信贷市场中的信息不对称问题,因此在解决中小企业融资困境方面发挥了极为重要的作用。但是近年来金融管制的放松、信息技术的革新,以及由此引致的国际银行业格局的变动,对关系型融资提出了严重的挑战:在银行竞争日益加剧的背景下,关系型融资能否继续存在?学界对这一问题展开了热烈的讨论,但由于研究视角和研究方法的不同,至今未能取得一致的认识。本文对该领域的主要文献进行了梳理,对不同的观点进行比较,以期为进一步研究提供新的思路。
Financial intermediary theory holds that relational financing can effectively overcome the problem of information asymmetry in credit markets and therefore plays an extremely important role in solving the financing difficulties of SMEs. However, in recent years, the relaxation of financial regulation, the reform of information technology and the changes in the international banking structure have posed serious challenges to relational financing: whether the relational financing can continue under the background of intensifying banking competition Existence? The academic circle has heated discussion on this issue, but due to the different perspectives and methods of research, so far failed to achieve consensus. This article reviews the main literature in this field and compares the different perspectives so as to provide new ideas for further research.