试论关系借贷促进中小企业融资的机理——基于非标准化信息模型的分析  

Mechanism of Relationship Lending in Furthering the Financing of SMS Enterprises——Based on the Model of Non-standardized Information

作　　者：邢英[1] 张伟[1] 乐菲菲[1] 

机构地区：[1]济南大学管理学院

出　　处：《金融论坛》2008年第10期35-39,共5页Finance Forum

基　　金：2004年度山东省文化厅全省艺术科学重点课题资助;课题立项号:200409009

摘　　要：非标准化信息是语义与特定语境相联系、无法编码并准确释义、内涵与外延极为丰富的信息,它在跨空间传递过程中易发生损耗和变异。非标准化信息的普遍存在和传递过程中的损耗和变异使得信息不对称成为一种社会常态。关系借贷可以将更多的信息从非标准化转化为标准化,从而提升企业的信用等级,这里的信用提升通过三种途径实现:一是通过缩短空间距离将更多非标准化信息转化为标准化信息;二是增加信源的信息场的能量,进而扩大传递范围;三是增加信宿的知识场的能量,以增强处理相关信息的能力。因此,关系借贷可以提高中小企业获得贷款的概率。Non- standardized information is the information that reveals the connection between the meaning and particular context, cannot be encoded and interpreted accurately, but has abundant comprehension and extension. Such information easily exhausts and mutates in the cross-space transmission, which makes information asymmetry a common social phenomenon, especially with the prevalence of non-standardized information. Relationship lending can effectively make non-standardized information standardized and upgrade enterprise＇ s credit rating. Such credit enhancement can be realized through the following three approaches： （1） changing the non-standardized information to standardized information by shortening the space distance; （2） increasing the energy of information field in the information source to augment the transmission space; （3） enhancing the energy of knowledge field in the information sink to advance information-disposing capacity. Therefore, the relationship lending can increase the probability of small-and-medium-sized enterprises to obtain loans.

关 键 词：关系借贷 非标准化信息 融资 中小企业 

分 类 号：F830.5[经济管理—金融学] F276.3