【正文】 in service for the strategic positioning of those small Banks to bitter fleabane bitter fleabane. Dynamic development Now China is probably more than a hundred villages and towns of the bank, bank established to improve the bottleneck of the economic investment county, including improving agriculture development of small and mediumsized enterprises and support will play a very important role. For existing five stateowned Banks, should be encouraged to develop their own businesses for the financing of the specialized agencies, relax its has branches and encourage them in the land, and county, township, even closer to provide financial services and more convenient. 2, the government should help Banks to establish a credit system, further reducing their information cost, in our country, the central bank since 1998 enterprise credit system construction was started by the specialized agencies, collection and storage, sorting, analysis, and use of enterprise credit information, to guard against credit risks, maintain stable financial markets. In 2020, the central bank and small and mediumsized enterprise credit system to establish the credit system, hope to cover those and financial institutions have no credit relations of small and mediumsized enterprises. Of course, the credit system is not only by the government, and now have some work pany, for example, try to use in online transaction information into small and mediumsized enterprise credit index, the index of credit, if out of the bank to further reduce the cost of information. 3, the government should various of bank risk pensation, the local interest risk 10 pensation mechanism and policy, just pensation 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。如對工業(yè)增加值貢獻率不到 30%的國有企業(yè)占用了 70%以上的銀行貸款，但創(chuàng)造了 70%的國民生產(chǎn)總值的非國有企業(yè)只獲得 30%的銀行貸款。此外，個別中小企業(yè)還惡意抽逃資金，拖欠帳款、空殼經(jīng)營、懸空銀行債權(quán)，造成信貸資金流失，嚴重損害了中小企業(yè)的整體信用水平?，F(xiàn)行的《證券法》對上市 公司的嚴格要求， “ 主板市場 ” 的上市公司主要是國有大型企業(yè)，針對家庭式企業(yè)，尤其是非國有科技企業(yè)的 “ 二板市場 ” 的缺失，基金組織及其其他形式的融資尚處于初建階段，使得中小企業(yè)直接融資的渠道很難實現(xiàn)。金融體制的改革是相對滯后的，從計劃經(jīng)濟延續(xù)下來的金融結(jié)構(gòu)不合理的問題仍然沒有徹底有效地解決，抑制了中小銀行、民營銀行發(fā)展。 2 解決我國中小企業(yè)融資難的途徑 由于融資難，涉及企業(yè)、銀行、政府三方，因此，解決中小企業(yè)融資難問題，需要三方的共同努力。積極清償銀行的債務和應付款項，建立企業(yè)的信用制度，提高企業(yè)的信任水平。 （ 2）多種融資方式共同發(fā)展。同時還要大力發(fā)展創(chuàng)業(yè)投 資基金。 （ 2）完善我國對中小企業(yè)資金的扶持政策。 ine, the transfer of rural surplus labor force is playing more and more important, etc. However, in recent years, the development of small and mediumsized enterprises facing great difficulties. Especially the influence to the further development of small and mediumsized enterprises in China is the most important factor to sme financing channel is narrow, financing, financing number structure unreasonable, financing cost is high. If less than 30% of the industrial sector contribution of stateowned enterprise occupied 70% of bank loan, but creates 70 percent of the GDP of the nonstateowned enterprises only 30% of the bank 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. Sme 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 20 information and trans