Relationship lending is a good way to solve the promble of the information asymmetry in SMEs' credit market. With qualitative analysis, this dissertation applies Mathematical tools, improves the existing model and finds: (1) relationship lending not only adds the value to the bank and the company, but also improves the efficiency of the credit market. (2) The main influencing factors of information efficiency include the client managers' capabilities, the structure of the bank and the diversification of products. Therefore the main facts hampering the development of the relationship lending in China are found. They are rigescent regulation system in the four biggest commercial banks, ambiguous client orientation in small and medium commerical banks, week power in loan pricing and the faultiness client manager system in commercial banks. |