Start with analyzing the abominable bank-enterprise relationship phenomena and cause,the author explored the ways and means of the using foreign mode for reference and constructing new-type and harmonious .

In view of the fact that they have encountered big difficulties in financing for a long period of time, the financing difficulties facing small and medium-sized enterprises and the building-up of new bank-enterprise relationship constitute the two focal points attracting the attention of the whole society .

The relationship between banks and civilian enterprises remains delicate in the bank-enterprise relationship.

It includes:(1)recreate the relationship between banks and enterprises;(2) implement asset-liability ratio management;(3)establish shareholding system commercial bark;(4) grant the loans on pa.

By conducting experimental analysis on the mechanism of impact of relationship between banks and enterprises on commercial trust between enterprises in Japan, the paper concludes that the main system of banks changed formally in later 1990s in Japan, but the impact of relationship between banks and enterprises on commercial trust between enterprises did not weaken.

Investigation shows that improper relationship between banks and enterprises attributes greatly to the bankruptcy of township enterprises and that establishing sound relationship between banks and enterprises is important to push the development of these enterprises.