【正文】 al innovation of small and mediumsized enterprises, such as jiangsu cooperatives experiment widely warehouse inventory impawn, through a mortgage loan product, Tianjin coastal rural mercial bank actively carry out enterprise shareholding pledge loan, Beijing bank recently launched intellectual property as a pledge from the bank for a loan. 2， credit rating innovation. Big Banks do business of time, usually see a balance sheet, an ine statement and a cash flow statement, small and mediumsized enterprises have even these three tables are not high, the bank information costs, zhejiang tyrone arisen, mercial Banks, they look for innovative water meter, customs declaration form, large, reduce cost, still can make small loans to earn enough money. Like shenzhen development bank, by focusing on their opponent39。s credit rating. For enterprises in the credit rating method for enterprise itself, the credit rating weight only 15%, pay more attention to the authenticity of the trading counterparty and. Most enterprises are in the supply chain of trade, survive, it must have upstream and downstream of the raw material supply semifinished products or services or transportation or logistics management in this process, so as to retrieve the enterprise credit record, these things can be easier to choose good credit are true of the enterprise, trade background to provide enough good service, mobilize various financial tools, in the process of enterprise development, ShenFaZhan also created the profits. 3, business process innovation. Our country mercial bank, the bank is mostly 12 official in the house, wait for a loan to customers approval for a month, three months, such a kind of management, such an examination result is impossible to small and mediumsized enterprise financial services, it is impossible to improve the financing difficulties of small and mediumsized enterprises. Banks to reduce threshold, the other is to simplify the process, reduce link, establish examination mechanism, so as to adapt to the credit fund is short and small, fast. The bank of China on April introduced credit factory. The bank is a factory, small and mediumsized enterprises is raw material, into the line after the marketing, sales, and service, with approval, and customer maintenance and postloan management, obtain loans. But Banks are not a person from beginning to end, but plete all seven groups, each worker sent a link on guard line and batch production. Through the way of examination and approval procedures simplified. Through this process to make sure that the smes39。d efforts, with the strain of new incentive and restraint measures to cultivate a professional team and the new service. (c) from the Angle of enterprises 1, enterprises should strengthen management, improve quality. To correctly understand the situation, face, establish the risk by management effectiveness and development idea, must pay more attention to technical innovation, technological innovation, pay attention to the new product development, improve quality and brand construction and development of new products, improve the product quality improvement, and win the market. Reducing energy consumption, to increase, increasing earnings. Increasing market development ability, reduce products, accounts receivable two nbre, accelerate the capital turnover. Through the development way, not only by the expansion of production, but improve the quality of the industrial sector realize rapid growth. 2, the enterprises should strengthen the construction of credit system, establish the standard of management system, establish the transparent reliable financial statements, the accumulation of enterprise credit system. 13 To sum up, the sme financing is a global problem, but also a systematic engineering, which requires concerted effort, also needs the medium and smallsized enterprises management, this thing whether it advances the way how difficult, as long as we joint effort, to break the financing difficulties of small and mediumsized enterprises contribute their wisdom and strength, change the idea, bold innovation, finding solutions to sme financing in the right way, then we will be on a road more walk more broad prospects, we would also more and more beautiful.