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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 semantic information associated with a particular context, can not be encoded and accurate interpretation, connotation and denotation is extremely rich in information, it is prone to loss and variation in the process of cross-space transfer. The ubiquity of non-standardized information and the loss and variation in the process of transmission make information asymmetry a social normal. Relational lending can convert more information from non-standardization to standardization so as to enhance the credit rating of the enterprise. The credit enhancement here is achieved through three ways: first, to convert more nonstandard information into standardized information by shortening the space distance; Is to increase the source of information field energy, and then expand the scope of delivery; third is to increase the energy of the information field of the sink to enhance the ability to handle relevant information. Therefore, relationship lending can increase the probability of SMEs getting loans.