Now SMEs have played important roles in force of China economic development since reform and opening up. SMEs are playing an increasingly important role in the prosperity of economy in expanding employment and the promoting innovation. But China's SMEs are stil in need of cash as strong support,but because of a shortage of funds,financing difficulties faced to SMEs,as a huge obstacle to its further development,have become a widespread problem in their developing progresses. Smal and medium-sized enterprise financing is difficult is not the question which present only then has,also is not the question which our country is in sole possession of. This article finances the question in view of the smal and medium-sized enterprise, which the difficult present situation and appears,systematical y analyzed the smal and medium-sized enterprise to finance the difficult main reason. Put forward a series of smal and medium enterprises financing in China to al eviate the difficulties related to countermeasures and suggestions.