| Financing difficultly is an important factor to restrict Small & Medium Enterprise's development. So, such enterprise's finance should be adequately regarded in the interest of national economic. The experiences of the development of the world's economic have manifested that Small & Medium Enterprise has worked importantly on many aspects such as enlarging employment, flourishing market, increasing income, maintaining stability and forming logical national economic structure. In a manner, the degree of Small & Medium enterprise's activity is a symbol of the degree of country or region's. Therefore, the developed countries all paid great attention to such enterprise. They have established perfect financial system to solve the "bottle-neck" about capital problem in the development of Small & Medium Enterprise. So the research about Small & Medium Enterprise financing is crucial signification to accelerate the development of China's economic and society.Recently some scholars have brought forward many approaches to Small & Medium Enterprise's financing. One is establishing and perfecting direct financing systems, such as perfecting the venture investment system, establishing "the Second-board Market", issuing stock about Small & Medium Enterprise. The other is perfecting indirect financing systems, such as mending the relationship between the Bank and Small & Medium Enterprise, perfecting credit guaranty system and establishing the special financial institutes for the Small & Medium Enterprise. The main purpose of "The Second-board Market" and venture investment is to supply service for high-tech and high-grow enterprise. But both of them do few work in China because China is a developing country, whose technology dropping behind comparatively, capital deficient comparatively and labor force abundant comparatively. And the enterprise of dense labor is flusher than others in a long time. At the same time, because most of the Small & Medium Enterprise haven't high credibility and earning ability, they have difficulty to raise money through issuing bond. So the keystone of the paper is indirect financing but not direct financing in the article. It would be explained from the two aspects: Small & Medium Enterprise financing and Bank, Small & Medium Enterprise financing and credit guaranty.In the part of the problems on financial supporting in the Chinese Small & MediumEnterprise . Firstly, the thesis analyzes the problems on traditional credit such as the Bank "value loan" and the relation between banks and enterprises, the discrimination of loan acquisition, the no-long relation between banks and enterprises; Secondly, the article probes into analyzing the problems on the credit guaranty system of Small & Medium Enterprise in China, for example :the existing problems on the credit guaranty mechanisms , the existing problems on the small & Medium Enterprise , the existing problems on the government , the existing problems on business banks and the existing problems on the social environment.In the part of the countermeasures concerning financial supporting hi the Small & Medium Enterprise, there are the countermeasures about the traditional credit .following as: (1) witching the concept of commercial bank, establishing mutual benefit relation between Bank and enterprise through Small & Medium Enterprise front for bank.; (2) building up good repaying credit; (3 ) establishing professional finance framework for Small & Medium Enterprises. There are the countermeasures about the credit guaranty .following as: (1) Problem in the actualization of credit guaranty system about Small & Medium Enterprise in China was founded, and solvent was gave: strengthening the management to the venture of it; (2) establishing and perfecting some law and policy correlating to guarantee, strengthening the development of credit system; (3) improving the whole credit level.All the studies will do help to establish favorable relationship between bank and enterprise, and credit guaranty system with high efficiency.
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