Adverse selection and moral risk of non - stated owned business generated by the information asymmetry in the credit market leads to enomous bank credit risk. The credit system adopted by commercial bank in order to regulate and avoid such risk makes the asymmetry between non - state business' s capital demand and capital supply of indirect financial system.Thus there exists rigid financial gap in the non - state ovvned business' s capital provenance. To minish the finance gap we must innovate the financial system to reduce the transaction cost between bank and enterprise and to enhance the information symmetry.