【正文】 ation fund is to solve the sme financing way, and cannot be fundamentally solved. As to the end, fujian province of bad loans is small loans %, but the average level of banking, is a two percent, while a few risk pensation, just to percent, only a small part. So many of bank risk pensation. As all of the loans to small and mediumsized enterprises, then according to the bank loans, reduce its tax, business tax, ine tax reduction, Countries can help enterprises to improve bank interest, risk and return, If the loan losses, the government formed by risk pensation fund to patch up it, this makes big business loans and small and mediumsized enterprise loan to achieve the balance is the basic yields. 4, the government should actively promote the multilevel capital market system, in order to better satisfy all kinds of small and mediumsized enterprises include the financing needs of enterprise. Different types of small and mediumsized enterprises, the development stage is endless and same, determines the sme financing needs is not the same. So small and mediumsized enterprise groups of differentiation determines the diversified financing needs, then satisfy sme financing demand also needs the various forms of financing mode, such as bank loans, bonds, equity financing, etc. 2 0 0 to 4 years in shenzhen stock exchange medium plate, founded by promoting capital, technology, management, and the effective factors of high quality as cultivating board, also to promote the upgrading of industrial structure is playing a positive role. In October 2020, gem officially launched. Founded board will provide for independent innovation, promoting effective supervision mechanism of small and mediumsized enterprises in the new development stage. But for more than for small and mediumsized enterprises are listed to solve this kind of condition, enterprise39。 Sme financing problems related to the analysis First， small and mediumsized enterprise financing status Reform and opening up, China for 30 years of small and mediumsized enterprises obtained a rapid development of enterprise, 99% of the small and mediumsized enterprises of our country more than 60% GDP contribution, tax over 50%, provides 70% of import and export trade and 80% of urban jobs. Small and mediumsized enterprises in our country is also an important power of independent innovation, 66% of invention patent, 82% of new product development of small and mediumsized enterprises, from small and mediumsized enterprises has bee the economic prosperity, expanding employment, adjusting structure, promote innovation and new industries of important strength. From 80 years since the outbreak of the international financial crisis, the implementation of the positive fiscal policy and looser moary policy, but no small and mediumsized enterprises from the proactive fiscal policy and moderate looser moary policy benefit directly, for instance, of the new 2020 225 million small loan only, more than the previous year, but rose % only the loans increased %, 09 year three months of national total credit increased 4 8 trillion, including loans to small and mediumsized enterprises increased amount only less than 5%. Current, loan financing difficult has bee the bottleneck of restricting the development of small and mediumsized enterprises and small and mediumsized enterprise production and management faced difficulties, according to the state statistical bureau of statistics and letter until the end of 2020 in the small and mediumsized enterprises of production or collapse closed accounts for about 7. 5%, the urban employment, this situation is not only more difficult economic recovery, influence and directly affect the growth and development of people39。加大市場(chǎng)開拓能力，降低“產(chǎn)成品、應(yīng)收賬款”兩項(xiàng)資金占用，加快資金周轉(zhuǎn)。在機(jī)制建設(shè)以后就要有一批人能夠做這件事情，而且把它做得很好，這就要加強(qiáng)員工的培訓(xùn)，進(jìn)一步加強(qiáng)對(duì)中小企業(yè)、微小企業(yè)貸款以及高新技術(shù)的中小企業(yè)的貸款工作的培訓(xùn)和交流的力度，加大整個(gè)產(chǎn)品應(yīng)變研發(fā)的力度，用新的激勵(lì)約束的辦法來(lái)培養(yǎng)一支專業(yè)的隊(duì)伍和新的服務(wù)文化。而銀行也不是一個(gè)人從頭到尾完成所有環(huán)節(jié)，而是派出 7 組工人，每 人把住流水線上的一個(gè)環(huán)節(jié)，批量生產(chǎn)。我國(guó)商業(yè)銀行大都是官辦的銀行，習(xí)慣在房子里坐等客戶，一筆貸款要審批一個(gè)月、三個(gè)月，這樣一種管理、這樣一種審批效果是不可能適應(yīng)中小企業(yè)金融服務(wù)，也不可能來(lái)改善中小企業(yè)的融資困難。又如深圳發(fā)展銀行 , 他們通過關(guān)注企 業(yè)交易對(duì)手的信用，關(guān)注企業(yè)的真實(shí)性， 選擇了一種新的對(duì)企業(yè)的信用評(píng)級(jí)方式。目前全國(guó)很多省份的中小銀行都開展了面向中小企業(yè)的金融創(chuàng)新實(shí)驗(yàn)，如江蘇農(nóng)信社廣泛推廣倉(cāng)單質(zhì)押，通過庫(kù)存產(chǎn)品作為抵押取得貸款；天津?yàn)I海農(nóng)村商業(yè)銀行積極開展企