我国中小企业尤其是民营企业对国民经济贡献的比重越来越大。然而,不论是从直接融资还是间接融资上看,中小企业都存在很大资金缺口。由于目前中小企业与银行的信息不对称所导致的道德风险和逆选择的现实,使金融机构存在较大的放贷风险。而金融机构为防止道德风险和逆选择引起信 The proportion of China’s small and medium-sized enterprises, especially private-owned enterprises, contributing to the national economy is growing. However, no matter from the direct financing or indirect financing point of view, there is a large funding gap for SMEs. Due to the current moral hazard caused by asymmetric information between SMEs and banks and the adverse selection, there is a big risk of lending to financial institutions. Financial institutions, however, arouse faith in preventing moral hazard and adverse selection