eenterprise.Allowtonewsetuporrebuilttheregionalsmallandmedium-sizedjoint-stockbanksandcooperativefinancialinstitutions,andtheconditionalareacanexploretosetupthepolicybanksspecificallyservingforsmallenterprises.[9]宁丹.略论国内中小企业融资与发展[J].时代教育(教育教学),2010,(04)mercialbanksandcitycreditcooperativesactivelyattractprivatecapital,furtherstrengthenandimprovethestrengthandmechanismoffinancingservicesfortownsmallandmedium-sizedenterprise.Ruralcreditcooperativesshouldabsorbfarmers,eashareholder,accelerateimprovetheequitystructure,andstrengthencreditserviceofruralsmallandmedium-sizedenterprises.2.2TheobstructionofcriticalfactorSeriousfinancingdifficulties;fromsmallandmedium-sizedenterpriseitself,thereareproblemssuchassmallerscale,bigchange,highrisk,weekself-disciplineability.Smallandmedium-sizedenterprises