Since the financial crisis, various policy initiatives have been adopted in the UK with a view to improve access to finance for SME businesses. One of these initiatives is the bank referral scheme. Under this scheme, incumbent banks must pass on information about SMEs (with an SME’s consent) that were unsuccessful in securing bank funding, to so-called finance platforms whose role is to match SMEs with alternative lenders. The scheme received attention in the UK and elsewhere as an innovative way to combine information sharing and technology in order to help SMEs gain access to external finance. It was launched in 2016. Since then, it has been closely monitored by the UK Treasury. The aim of this article is to reflect on the bank referral scheme and its raison d’être, especially by focussing on the regulations which implement the scheme, and on potential ways to improve the referral process.

中文翻译：

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中小企业融资市场的“不间断”：信息共享、金融平台和英国银行推荐计划

自金融危机以来，英国采取了各种政策举措，以改善中小企业的融资渠道。其中一项举措是银行推荐计划。根据该计划，现有银行必须将未能成功获得银行资金的中小企业的信息（经中小​​企业同意）传递给所谓的金融平台，其作用是将中小企业与替代贷方相匹配。该计划作为一种将信息共享和技术相结合以帮助中小企业获得外部融资的创新方式，在英国和其他地方受到了关注。它于 2016 年推出，此后一直受到英国财政部的密切监控。本文的目的是反思银行推荐计划及其存在的理由，特别是通过关注实施该计划的法规，