【摘要】 本文从理论和实践的比较研究出发，主张金融体系的模式选择一定要服从服务于实物　经济中优势产业部门发展的需要。我国股份制中小银行就是适应经济结构的变化建立和发展　起来的，由于自身条件所限，服务对象上应选择以中小企业为主，并宜采用关系放贷这一模　式发挥最大优势，以保证这些企业的融资需求和健康发展。更多还原

【Abstract】 Based on a comparative study of theory and practice the paper suggests to find right financial modes in accordance with development demands of powerful industries in economic growth. In conformity with transformation of economic construction small and medium limited－liability banks are set up in China. With t heir own limitation these banks should choose small and medium enterprises as their customers and give a priority to a relation credit so as to meet money-raising demand for the smooth development of these enterprises.更多还原