With the concerted efforts of the whole country, the epidemic has come to an end. In the next step, growth stability, employment guarantee and high-quality economic development require commercial banks to inject valuable liquidity into small and medium-sized enterprises to support their growth and development. How to guide commercial banks to better support small and medium-sized enterprises is a problem that has not been well resolved. The essence of the problem is that the existing credit system of commercial banks does not match the characteristics of small and micro enterprises. Small and medium-sized enterprises are facing the financing dilemma of information asymmetry and insufficient credit. In order to solve this dilemma, it is suggested to find enterprises which have core technology, key components and special materials, focusing on a certain production link with world-class level but few people knowing about in a certain product value chain, and then provide financing support for them. In this way, the support is able to help them gradually become enterprises that can determine the direction of the product value chain. Since local governments have the willingness to break the ice of cooperation, break the information asymmetry, and break the credit shortage, we can try "bank-government cooperation" mechanism and adopt the cooperative method of jointly funding to establish a "risk compensation fund".
