Those lending types are different from each other , but they have close ties between banks and firms in common . relationship lending resolves the problem of small firms " opaque information and offers banks with enough monopoly rents 虽然表现形式有所差别,但银行与企业发展长期紧密关系是其共性,相对有效地解决了中小企业信息不透明的问题并使银行获得了必要的垄断租金。