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中小企业面临筹资难、筹资成本高的困境,商业银行对中小企业发放贷款的要求较高,使得一些中小企业无法获得商业银行的资金支持;小额贷款公司虽然能够为中小企业提供资金支持,但限于规模、资金瓶颈,无法很好地为中小企业服务。本文试图建立商业银行与小额贷款公司的战略联盟,尝试解决中小企业、商业银行与小额贷款公司之间的矛盾,实现多方共赢。
Small and medium-sized enterprises are faced with difficulties in raising funds and high funding costs. Commercial banks have higher requirements for loans to SMEs, making some SMEs unable to obtain financial support from commercial banks. Although small-sum loan companies can provide financial support to small and medium-sized enterprises, Limited to the size, capital bottleneck, can not serve SMEs well. This article attempts to establish a strategic alliance between commercial banks and small loan companies and try to solve the contradictions among small and medium-sized enterprises, commercial banks and small loan companies and achieve win-win situations.