Inrecentyears,smallandmedium-sizedenterprisesinChina'snationaleconomicandsocialdevelopment,andtheimportantpositionandrolebymoreandmorewidelyrecognizedbyallcirclesofthesociety.Butsmallandmedium-sizedenterprisesindevelopingbutmetaverycommonandseriousobstacles,andthatisthedifficultyinfinancing.Howtoeffectivelyimprovethesmes'financingcircumstance,becomethekeyproblemsofthedevelopmentofsmallandmedium-sizedenterprises.Smallandmedium-sizedenterprisefinancingproblemsverycomplex,studyandsolvethisproblemhasveryimportantpracticalsignificance.Throughhislearnedduringschoolduringtheperiodofobservationandpracticeofsummary,andtheamountofconsultingrelevantmaterial,basedonrelevantproblemsoffinancingforsmallandmedium-sizedenterprisesonthebasisofanalysisofthepresentproblemsandcountermeasures,trytosolvemetinthedevelopmentofsmallandmedium-sizedenterprisesthebottle-neckproblem.