In order to help small and medium-sized enterprises develop and alleviate the shortage of funds for small and medium-sized enterprises, governments at all levels have introduced various financing policies. The most attractive one is the government loan. In the process of financing, many small and medium-sized enterprises often encounter the problem of mismatch between bank loan cycle and enterprise production cycle (short bank loan cycle and long enterprise production cycle), which leads to the failure of enterprises to repay bank loans on time, which in turn leads to bad bank loans and affects the credit investigation of loan enterprises. Therefore, in order to solve the problem of small and medium-sized enterprises' loans "crossing the bridge" and the turnover of production and operation funds, the lending platform came into being.