中文摘要：

从获取中小企业贷款决策信息的角度，相对于大银行而言，小银行具有在关系型贷款和市场交易型贷款上的动态比较优势。保理等新型交易型贷款技术在缓解国内中小企业融资难方面具有不可替代的重要作用，因此应加以开发与推介。商业银行应加强市场交易型贷款技术的引进与创新，并通过开发适合中小企业的金融产品来解决信息不对称和风险控制问题。

英文摘要：

From the information cost of loan decision-making, the article has compared relationship lending technologies and transaction-based lending technologies dynamic competitive advantage. The article has discovered that the relations loan had the cost superiority of collecting ＂soft information＂ in the traditional credit market. But along with the transaction-based lending technologies innovation of commercial bank and network technology development, collecting information cost has dropped. Transaction-based lending technologies are more important than before. At last, relevant conclusions and enlighten have been made.