相对于大型银行来说,民营中小型银行在向中小企业提供融资服务时所承担的交易成本更低。而中小企业向民营中小型银行借贷的交易成本也要低于向大型银行借贷的交易成本。因此,有必要促进民营中小型银行的发展,在一定程度上缓解中小企业融资困难。 Relative to the major banks, private small and medium-sized banks incur lower transaction costs in providing financing services to SMEs. The transaction costs of SMEs lending to private small and medium banks are also lower than the transaction costs of lending to large banks. Therefore, it is necessary to promote the development of private small and medium-sized banks, to a certain extent, ease the financing difficulties of SMEs.