The leading position of small and medium-sized enterprises in the national economy is more and more obvious.But because our country small and medium-sized enterprise own defects and the influence of the external environment, and many other factors, make the small and medium-sized enterprise financing difficult problems, this is largely restricts the development of small and medium-sized enterprises in our country.So a shortage of funds of small and medium-sized enterprises, financing difficult problem for China's economic development and social stability is of great significance