【正文】 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 organizational system for some financing service policy Banks, while China39。s national economy, improve the contribution, small and mediumsized enterprises in promoting economic growth and create jobs, increase farmers39。 Sme financing causes and solutions Abstract As a new financing lease financing tools ,In recent years in our country39。s modern economy is developing rapidly .However, most of the lease financing panies in actively explore the market at the same time .The risk of financing lease knowledge and understanding but will stay on the surface .Risk control work also at groping stage .Construction perfect, system risk control system necessary and urgent .The author financing lease in a systematic, on the basis of risk .According to its own work experience, The system is presented countermeasures .To help enterprises to renew the idea .Do risk control work . Keywords: financing lease risk risk control Some financing causes and solutions Lynn Since the reform and opening up, the Chinese small and mediumsized enterprises are the rapid development of China39。 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 same financing channel is narrow, financing, financing number structure unreasonable, financing cost is high. If less than 30% of the industrial sector contribution of s tateowned 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. 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