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间接融资是中小企业的主要外源融资渠道,然而银企间信息不对称使许多具有发展潜力的中小企业被银行拒之门外,没有享受到虚拟经济迅速发展所带来的正向效用。本文提出了银行合格借款者项目源培育政府融资服务平台的构建思路,致力于合市场与政府之力解决中小企业间接融资难问题,并为促进实体经济与虚拟经济协调发展提供思路。
Indirect financing is the main source of external financing for SMEs. However, asymmetric information between banks and enterprises has left many small and medium-sized enterprises with development potential out of banks without enjoying the positive effect brought by the rapid development of the fictitious economy. This paper puts forward the construction idea of cultivating the government financing service platform by the bank’s qualified borrower project source. It is committed to meet the needs of the market and government to solve the indirect financing problems of SMEs, and provides ideas for promoting the coordinated development of real economy and virtual economy.