The small and medium-sized enterprise is supports our country economy the main force,is playing the influential role in our country economic development process.The fund is important regarding the small and medium-sized enterprise,it is guarantees the small and medium-sized enterprise normal work the blood.But as a result of small and medium-sized enterprise's characteristic,the majority of small and medium-sized enterprises actually faces is financing the difficult question.Because of the financing question,many small and medium-sized enterprises face are developing with difficulty,even goes out of business risk.Specially under the whole world financial crisis's background,small and medium-sized enterprise financing becomes more difficult.Therefore the solution small and medium-sized enterprise's financing question is guaranteed that the small and medium-sized enterprise develops with steady steps,guarantees our country economy normal development the priority target.This article carries on the analysis from many angles to the small and medium-sized enterprise financing difficult reason,had the root from the question to obtain to provide some solution countermeasure,with the aim of helping the small and medium-sized enterprise to go out the financing difficult position.