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Abstract：
Relationship banking (RB) with SMEs has been approached as a one-size-fits-all where no differences exist between micro, small, and medium businesses. Nevertheless, recent research has clearly identified three distinct levels of RB depending on variables such as the size and complexity of the business and the amount of borrowing. In this study, we create an original model of this fundamental trident, presented as a system of postulates and inferences in mathematical terms, to capture the structure and dynamics of the three RB levels from the supply/bank side. The model systematically shows the existence of and describes the three RB levels. Further, it highlights how each of these levels is dependent on the determinant variables and how a comparison between the three levels is possible based on the per-capita contribution of each of the determinant variables, in turn, to the per-capita RB service production. Our model provides an analytical framework that can assist banks and researchers to rigorously assess and study each level separately or in comparison to the others. It is also beneficial as it can be used to calculate the optimal allocation of the bank\'s limited resources among the three levels of RB and to achieve maximum value creation for all stakeholders.
摘要：
与中小企业的关系银行(RB)已被视为一刀切，在微观、小,和中型企业。然而，最近的研究清楚地确定了三个不同水平的RB取决于变量，如企业的规模和复杂性和借款金额。在这项研究中,我们创建了这个基本三叉戟的原始模型，用数学术语作为假设和推论的系统，从供应/银行端捕捉三个RB级别的结构和动态。该模型系统地显示并描述了三个RB级别的存在。Further,它强调了这些级别中的每个级别如何取决于决定变量，以及如何根据每个决定变量的人均贡献在三个级别之间进行比较，反过来,人均RB服务生产。我们的模型提供了一个分析框架，可以帮助银行和研究人员分别或与其他级别进行比较，对每个级别进行严格的评估和研究。它也是有益的，因为它可用于计算银行有限资源在三个级别的RB之间的最佳分配，并为所有利益相关者实现最大的价值创造。
