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随着我国中国，经济持续增长的银行，在国民经济中发挥着越来越重要的作用。但在中国银行的死亡率很高，有各种各样的原因，对结构不合理的扩张是其中之一。自本世纪初开始，中国政府开始关注银行的发展，理论和实践均已开始关注银行扩张的难题，本文指出我国银行选择的优化目标调整膨胀结构时，第一银行的成长，因为在银行的高死亡率，生长不意味着死亡。本文分析了银行扩张结构优化具有重要的理论意义。其次，银行结构膨胀的增长是合理和有效的响应与合理的结构相关，与银行的必然持续健康发展的扩张。本研究具有紧迫性和重要的现实意义。行业因素对银行的所有权结构的膨胀效果显著，与银行没有显著影响膨胀结构。最后，本文有助于实现中国银行扩张的政策建议继续增长，包括信用评级，银行转型，直接膨胀，公司治理，市场环境等方面。从理论上讲，这将有助于弥补在这方面缺乏研究，银行增长理论和扩展结构理论的完善和发展；在实践中，这将有助于发展我国银行业膨胀结构优化的有效政策措施，促进中国银行业的更多，更快，更好的成长。
关键词：银行 风险控制 扩张结构优化
Abstract：With China’s rapid economic growth, China’s vigorous development of SMEs, in the national economy plays a more and more important role. But our country small and medium-sized enterprise mortality rate is fairly high, there are a variety of reasons, the unreasonable financing structure is one of them. Since the beginning of this century, Chinese government started to attach importance to the development of small and medium-sized enterprises, the theoretical circles and practical circles have begun to pay attention to the problem of financing SMEs, this paper points out that China’s small and medium enterprises in financing structure adjustment optimization goal of the first is the growth of enterprises, because in the small and medium-sized enterprise high mortality, don’t grow means death. This paper analyses the financing of small and medium-sized enterprises to optimize the structure of the research has important theoretical significance. Secondly, the growth is the small and medium-sized enterprise financing structure whether reasonable and effective response, reasonable financing structure is inevitable with the sustained and healthy development of SMEs linked. This research also has the time urgency and practical significance. Industry factors to the small and medium-sized enterprise financing structure has significant influence, but the small and medium-sized enterprise ownership nature did not have a significant impact on the financing structure. Finally, this paper puts forward to realize our country small and medium-sized enterprise sustainable growth financing structure policy recommendations, including credit rating, bank reform, direct financing, corporate governance, market environment etc.. Theoretically, it will help to make up the home and abroad in the research field of inadequacy, improvement and development of small and medium-sized enterprise growth theory and the theory of financial structure; in practice, it will be helpful to develop our country small and medium-sized enterprise financing structure optimization of effective policies and measures, promotes our country small and medium-sized enterprise higher, faster, better growth.
Key words: small and medium-sized enterprise debt financing risk control
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