abstract:smes in a country's economy to play the role of irreplaceability,but its further development ** restricted by many factors,the most prominent of these factors in the performance of the financing it has become difficult to control the development of the"bottleneck",in order to solve the problem of financing,we must first of the status of financing,the ** tried to smes on their own status,financing environment,the major difficulties facing such areas to explore,from improving the financing of smes in china's laws and regulations,the state-owned commercial banking reform,the establ**hment of specialized credit institutions,and other aspects of **all and medium enterpr**es on china's sme financing problems for d**cussion. key words:sme loan financing credit guarantee ** support