【文章內(nèi)容簡介】 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 attend the daily operation and management of funds, and the user (sme) of information asymmetry between will bring the contradictions and problems. Usually, the small and mediumsized enterprises in the management of state owned more than bank information, therefore, has advantages of small and mediumsized enterprises in the process of contract in the event of using the capital or damage the interests of process, bank of bank risk of excessive. Due to the small and mediumsized enterprises and large enterprises in operation ability, mortgage guarantee transparency and the difference, and the size of the loan to the management cost differences, lack of small and mediumsized enterprises for domestic Banks provide more financing services. (3) lack of small and mediumsized enterprises and the matching of the small and medium sized financial institutions. At present, the bank is still lack of anizational system for smes39。 financing service policy Banks, while China39。s existing in the small and mediumsized mercial Banks such as urban rural credit cooperatives, shareholding mercial Banks, urban mercial Banks, but because they are not RongZiQuan policy and its problems haven39。t solved, cannot satisfy sme loans. Some small and medium sized financial institutions from the start, not from the stateowned enterprise system, management level is not high, the development ability is insufficient, thus reduced the financial support to small and mediumsized enterprises. The financial system reform is relatively backward, from the planned economy continued financial structure unreasonable problems still not pletely effectively solve the small and mediumsized Banks, and private Banks. (4) of small and mediumsized enterprises through issuing stocks and bonds are not unblocked financing channels. Our pany law shall apply for stock market conditions of the registered capital of a joint stock limited pany shall not be less than RMB 5 million yuan, the shareholders of a listed pany amount not less than RMB 3000 yuan, public issuance of shares reached more than 25% of the total shares of the pany, the pany exceeds RMB total share capital of the four billion yuan, the proportion of shares for 10% above, etc, these hard conditions of small and mediumsized enterprises will be rejected, hindering smes financing through capital market. The law also provides a limited liability pany bonds shall be not less than 60 million yuan worth it, a joint stock limited pany shall not be less than 3,000 yuan , and have strong enterprise guarantee, are not allowed to issue, this series of private enterprise of small and mediumsized enterprises also limit conditions by issuing bonds financing of space. Government departments Government support to small and mediumsized enterprises. Government retains a planned economy, longterm since, the national policy support to enterprises, although these years national policy change, but did not happen substantial changes. Especially the country executes large stateowned enterprises at present to the preferential policies for small and mediumsized enterprises, and still 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 sme financing ways Due to the financing, enterprises, banking and government tripartite, therefore,