Discussion on Credit Financing Difficulties and Countermeasures of Small and Medium-sized Enterprises of Our Country

In the process of small and medium-sized enterprises development,shortage of funds is a common phenomenon.This paper analyzes the factors deeply that lead our country’s small and medium-sized enterprises financing difficulty from some internal reasons such as the hiatus of small and medium-sized enterprises credit culture,inadequacy of mortgage guarantee ability,poor profitability,high operating risks,as well as other external causes like the flaw of financing system,the executive strength of credit guarantee mechanism is insufficient,information asymmetry.Besides,from their own construction,government policy,financial environment and financial institutions’services,putting forward countermeasures for China’s small and medium-sized enterprises,which is of great significance and role to their sustainable development.