试论中小企业与中小银行的可持续发展

针对我国商业银行资产业务经营中出现的存贷差持续扩大，信贷投放过于向大企业、大集团集中的现象，论述了我国中小银行的市场定位问题，指出展开错位竞争、立足中小企业是中小银行的必然选择。

Discussion on Sustainable Development of Minor Enterprises and Minor Banks

In the light of the phenomena of continuous expansion of the difference between deposits and loans existing in assets business of our country' s commercial banks and that the credit supply is excessively concentrated to large enterprises and large groups, this paper discusses on the problem of market localization of our country' s minor banks, and points out that carrying out the dislocation competition and keeping a foothold in minor enterprises are the necessary choice of minor banks.