Since the reform and open policy, our country's small and medium-sized enterprise has developed rapidly, and become the important center of national economy, has made the important contribution for our country healthy development. The small and medium-sized enterprise fast, healthy, the stable development is the prerequisite of national economy and the social harmonious healthy development, but recent year, the small and medium-sized enterprise survival and the development are facing many questions, and difficult in finances is day by day prominent, has hindered the small and medium-sized enterprise healthy development seriously. This article will analysis the concept of the small and medium-sized enterprise, the development present situation and the contribution, and will analysis the difficult problem formulation reason of finance emphatically by the enterprise, the bank, the government and the social four stratification planes, will seek the measure to solution the difficult on finance problem, will solve the small and medium-sized enterprise to finance properly the difficult on this problem, proposed the new way of the small and medium-sized enterprise will develop , guaranteed that the small and medium-sized enterprise will develop fast and health, will thus promote the national economy to be also develops well and quickly.
KEYWORDS：Small and medium-sized enterprise，Financing，Modern enterprise system
