Inrecentyears,thesurvivalproblemofsmall/medium-sizedenterprisehasattractedalotofattention.Thefinancialstormin2008blewdownapieceofsmall/medium-sizedenterprises.Andthisyear,althoughtheeconomicenvironmenthasnotasdeclinedas2008,thesmall/medium-sizedenterprisecrisisisevendeeper.Withtherisingofalloftheproductioncost,laborcost,thecostoffinancingandfinancingdifficulty,thesituationofsmall/medium-sizedenterprisehasbecameharsher.Sowhereisthepassforsmall/mediumenterprises'surviveafterall?

　　Thispaperreserchesinthefieldoffinancingchannelofsmallandmedium-sizedenterprises,andputsforwardcorrespondingcountermeasuresandsuggestions.Smallandmedium-sizedenterpriseitselfhasasmallscale,ontheotherhand,theirmanagementlevelisnotmature,aswellastheinternalriskmanagementabilityandthemarketoftheasymmetryofinformation.Alloftheseaboveisthereasonforfinancingproblemofthesmallandmedium-sizedenterprise.

　　However,solvingthefinancingproblemofSMEsdoesn'tmeantosimplyrelaxthebankdepositreserveratio,however,athemulti-levelfinancingstructuremustbefurtherestablished.Additionally,increasingservicesforSMEslendinginstitutionsandfinancialserviceinstitutionsisalsonecessary.

　　Furthermore,thefinancialinnovation,financingforSMEsofstate-ownedfirmsandfinancialinstitutionsshouldalsobeemphasized,inordertoprovidemoresecurityoptionsandfinancingway.

　　Finally,Thispaperalsoproposestheestablishmentoftheinternalcreditmanagement,creditpolicyformulationofsmallandmedium-sizedenterprise.Thuscouldreducebusinessriskintheprocessviatheenterprisecreditmanagement,andimprovefinancingabilityfromtheenterpriseitself.