【正文】 small and mediumsized enterprises obtained a rapid development of enterprises, 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 loser 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 previous year , but rose % only the loans increased %, 09 year three months of national credit increased 48 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 and of 2020 in the small and mediumsized enterprises of production or collapse closed accounts for about %,the urban employment, this situation is not only more difficult economic recovery, influence and directly affect the growth and development of people’s livelihood ,stable target .In this sense ,the international financial crisis under the impact of China’s economy could not really low, the key is out of small and mediumsized enterprises vitality can be fully recovered. Second, the sme financing reason analysis Sme loans and financing is a cosmopolitan should say, see, both from China, and mechanism of medium and small and mediumsized enterprises, there are three main reasons: first, the medium and small and mediumsized enterprises, small and mediumsized enterprises generally weak awareness of honesty, similar to a few of the mon phenomenon, may report on tax on some, less ugly statements in Banks, this intersection, some may form goodlooking, such loans point is reliable became a problem. But this approach is very adverse instead of enterprises, the development of small and mediumsized enterprises are not healthy, we imagine, if several departments with all those together, the first this enterprise is not sincere, he will have a foothold. We manufacture and exportoriented smes in human resources, technology, capital, market environment faced financial crisis, there was a huge pressure, the development of it is the root 附錄 2 cause of the scientific and technological content of the enterprise, the innovation ability of high enough to enter the market is weak, the low threshold, the fierce petition in the market will increase, these are not good for the development of small and mediumsized enterprises. Second, from the bank, for small and mediumsized enterprise credit conditions stricter, because we are most Bands, it is also considered mercial bank, the risk of their own profits. To the end of 2020, the small bad loans is higher than that of the entire banking industry relies low e mamp。a, solving some problems, bur the loans of the small and mediumsized enterprises, like a big problem, once, countries will still enterprises, especially those small problems, once the bankruptcy, nobody tube, so the 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 med