【正文】 loans. If this phenomenon is not sufficient to improve, small and mediumsized enterprises will be difficult, sustained and rapid development of the whole national economy will directly influence the development. 1. Some financing reason analysis From the above we can see the present financing, financing China has restricted the development of small and mediumsized enterprises. The reason is that both small and mediumsized enterprise itself, also have bank management system, there are more reasons of national policy. Enterprise itself. (1)The small scale of capital, small and mediumsized enterprises information idea indifference. Small and mediumsized enterprises operating in small scale, production technology, product structure behind a single level and low technology, to resist the risk ability is poor, fluctuating prices of raw materials or products, management risk is bigger. Add small and mediumsized enterprise credit is not high, credit, bank lending nonamericans options. Many small and mediumsized enterprise information disclosure awareness, financial management level is low, the lack of objective information and transparent. In addition, individual small and mediumsized enterprise still malicious smoke escape capital, default, shell, suspended creditor bank, causing serious harm to the loss of credit funds of the small and mediumsized enterprises, the overall level of credit. (2)Some financial system is not perfect, the internal control system is not perfect, the accounting information distortion, Banks and enterprises information asymmetry, for some financing difficulty increases. Assess, some financial system is not perfect 50%, many small and mediumsized enterprise quality management, low lack of financial management knowledge, major financial decisionmaking by their heads to decide, management is very chaotic. At the same time, in order to cope with the inspection and supervision department also prepare two sets, and even more so, enterprise, to provide accurate accounting information, the bank also cannot find the reality of the enterprise to increase the risk of bank loan business. bank reasons (1) The policy system of bank loan and unbalanced directly affect the direct financing channels. Our financial institutions with four mercial bank, the banking industry and the high altitude monopoly, consistent four bank lending to stateowned enterprises only wish. This is mainly in the ownership of stateowned Banks and enterprises, the differences between the bank and the enterprise system barriers. In addition, the provisions of the state bank is overdue, bad debts of nonperforming loans, so the bank implements process for four years of small and mediumsized enterprises of a more cautious lenders nature and carefully. The securities listed in the strict request, mainboard market listed pany is mainly for large stateowned enterprises, domestic enterprises, especially the nonstate technology enterprises , the secondboard market, fund and other forms of financing is still in the early stage of building, medium and smallsized enterprises direct financing channels to achieve. (2)Information asymmetry affect the relationship between Banks and enterprises. As the provider of bank capital and can39。t enjoy the preferential policy. In China, although the difference of small and mediumsized enterprises to reduce rates, two or three year from shall be exempted from ine tax preferential tax policy, etc, but due to the small and mediumsized enterprises are smallscale taxpayers, in the process of operation, shall enjoy the preferential policy. Finally often actual 2 to solve our some financing ways Due to the financing, enterprises, banking and government tripartite, therefore, to solve the difficulty in financing some, needs the joint efforts of the three. Regulate internal management of small and mediumsized enterprises, improve the prehensive quality of enterprises (1) To clarify the rights, establish enterprise jointstock system. Actively promote enterprise property rights system reform, the only enterprise of property rights, the operator to clarify their behavior and the future development of the enterprise, the enterprise is responsible for the credit can be established. According to the requirements of the modern enterprise