Alongwithourcountryeconomyfastandsteadygrowth,economicsystemisprogressivelyandperfect,thedevelopmentofsmallandmedium-sizedenterpriseshavereceivedincreasingattention.Althoughtheseyears,smallandmedium-sizedenterprisesinthepositioninnationaleconomyhadgreatprogress,butstillexistingalotofproblems,especiallytheproblemoffinancinggreatlyhinderedthedevelopmentofsmallandmedium-sizedenterprises,ithasincreasinglybecometheenterprisesurvivalandthedevelopment"bottleneck",isnotonlythemainobstaclestostartinganewbusiness,isalsoenterprisesbiggerandstronger"stumblingblock".Thispaperaimstothesmallandmedium-sizedenterprisefinancingpresentsituationanalysis,revealsthecauseofourcountrysmallandmedium-sizedenterprisefinancing,andputsforwardsomemethodstosolve.