【正文】 further strengthen the sme, small business loans and hightech smes job training and the loan of munication, increasing the entire product ramp。s credit transaction, the authenticity of the enterprise, choose a new way of enterprise39。a, solving some problems, but the loans of the small and mediumsized enterprises, especially those small problems, once the bankruptcy, nobody tube, so the bank loan quality cannot guaranteed, so in this management system, to reduce the risks, the bank will demand of small and mediumsized enterprises in providing enough after pawn dare loan. Another bank from the operation cost of small and mediumsized enterprises, do loans will pay more manpower, so also does not want to extend loans to small and mediumsized enterprises. A bank operating costs, the half is labor cost, small and mediumsized enterprises especially do small, very high labor costs, is five million or 50m or fifty billion billion a loan, it is the same as the workload, but it is the benefit of different times. Third, the sme financing channel is too narrow and small and mediumsized enterprises in the capital markets have direct financing ways of securities market, including small plate and gem, And private equity funds, industrial investment funds, venture investment funds, risk investment funds, and the bond market, etc. But since the sept. 25, 2020, the small plate market, securities issued after huachang chemical and closed the door, just recently IPO to restart the IPO. But gem is ten years, good until now only be vividly 9 portrayed. Although with gem listing conditions, but a lot of small and mediumsized enterprises to financing, for many enterprises, it is still a luxury. In overseas, small and mediumsized enterprises in the process of growing only rely on bank loan financing, many times is a venture investment risk or the help of small and mediumsized enterprises in China, however, can grow in the basic of financing. Shenzhen has 3,000 venture pany, with a registered capital of 6,000 billion, but no pany is willing to startup investment enterprise. The pany is more mature, can the fancy of the securities market and gem. Third, the sme financing difficulty in solving the problem (a) from the Angle of the government 1, the government should relax market access control, reducing barriers, let more smaller Banks, small and mediumsized enterprises 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 stag