新常态下,我国经济结构转型步伐不断加快,但是面对以去库存、去杠杆、去产能为主要目的的供给侧改革,企业销售下滑,资金较为紧张;银行是企业举借资金的主要渠道,由于经济下行压力仍较大,部分企业面临银行贷款的不确定性增强,基于风险考量,如果银行对实体经济产生怀疑,将会产生惜贷、抽贷的倾向,进而影响经济健康发展。当市场失灵时,政府应该采取有效的财政增信手段,增强银行信心,以健康的金融环境保持经济活力,本文以漯河地区为例,对政银企合作模式进行探讨。 Under the new normal, the pace of economic restructuring in our country keeps accelerating. However, facing the supply-side reform with the main purpose of de-stocking, deleveraging and capacity-building, the sales of enterprises are declining and the funds are scarce. The banks are the main channels through which enterprises borrow money, Due to the pressure of economic downturn is still large, some enterprises are facing increased uncertainty of bank loans, based on risk considerations, if banks have doubts about the real economy, will have the risk of loaning, drawing loans, thereby affecting the healthy development of economy. When the market fails, the government should adopt effective means of increasing financial confidence, enhance bank confidence and maintain economic viability in a healthy financial environment. This article takes Luohe area as an example to discuss the mode of cooperation between banks and government.