By optimum method, Banks tend to combine with well-performed enterprises to credit integration, among which the bank-enterprise relationships of America and Japan are typical examples.
银行以“优选法”乐于同效益良好的企业结为信贷一体化，美国、日本的银企关系就是较为典型的信贷一体化模式。
Integration of industrial and financial capitals can reduce transaction costs between Banks and enterprises, eliminate information asymmetry between them, and increase transaction efficiency.
产业资本与金融资本结合能够降低银行与企业的交易费用，消除二者之间的信息不对称性，从而提高交易效率。
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