【正文】 of financial management knowledge, major financial decisionmaking by their heads to decide, management is very chaotic. At the same time, in order to cope with the inspection and supervision department also prepare two sets, and even more so, enterprise, to provide accurate accounting information, the bank also cannot find the reality of the enterprise to increase the risk of bank loan business. bank reasons (1) The policy system of bank loan and unbalanced directly affect the direct financing channels. Our financial institutions with four mercial bank, the banking industry and the high altitude monopoly, consistent four bank lending to stateowned enterprises only wish. This is mainly in the ownership of stateowned Banks and enterprises, the differences between the bank and the enterprise system barriers. In addition, the provisions of the state bank is overdue, bad debts of nonperforming loans, so the bank implements process for four years of small and mediumsized enterprises of a more cautious lenders nature and carefully. The 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。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 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 some financing ways Due to the financing, enterprises, banking and government tripartite, therefore, to solve the difficulty in financing some, needs the joint efforts of the three. Regulate internal management of small and mediumsized enterprises, improve the prehensive quality of enterprises (1) To clarify the rights, establish enterprise jointstock system. Actively promote enterprise property rights system reform, the only enterprise of property rights, the operator to clarify their behavior and the future development of the enterprise, the enterprise is responsible for the credit can be established. According to the requirements of the modern enterprise system and its own characteristics, the small and mediumsized enterprises energetically promoting some, jointstock system reform. Through the property rights transfer, lease, auction shareholding system, etc, speeding up the reform of the small and mediumsized enterprises go enliven pace. In the process of reform, strengthen the voluntary contribution to encourage employees to enterprise staff GuanQieDu assets for the enterprise development, opening up new financing channels. (2)To standardize enterprise financial system and improve financial management level. According to the relevant provisions of the state, establishing and perfecting the enterprise39。t do the books, establish and improve the system of financial statements, and improve enterprise financial status of transparency and the credibility of the financial statements. Pay the debt and bank actively establish enterprise, payment of the credit system, improve the level of trust panies. (3)To strengthen internal management, improve enterprise39。s stock market, establish the gem, as soon as possible, the enterprise property market directly in stateowned enterprises listed at the same time, allowed conditions for listing of small and mediumsized enterprises into the capital market. Also solve a listed pany of its shares in listed stateowned, can realize the circulation problems, shares of stock, promoting the circulation of the gem market as soon as possible. Gem mainly depends on the development of the enterprise, such as potential small and mediumsized