But, to facilitate this shift, appropriate financing vehicles must be developed; investment and risk-management expertise will have to be acquired; regulatory frameworks will have to be improved; and adequate data and investment benchmarks will be needed. These investors must focus on the small and medium-size enterprises that banks often neglect.
世界银行还指出，银行紧缩的一个后果是长期负债的机构投资者——如养老基金、保险商和主权财富基金——可能会被号召承担更大的长期资产融资作用。但是，为了促进这一改变，必须开发合适的融资工具；必须有投资和风险管理的专业技能；必须改善监管框架；还需要有充分的数据和投资基准。这些投资者必须专注于银行通常忽视的中小企业。