i," idea, establish good by good also the credit consciousness; secondly, integrity and practical to follow the principle of petition, carry out the production and operation activities according to law, again according to the law to establish account, ensure that the objective of financial information the resort to deceit and eliminate all acts, banks in order to reduce the cost of access to information, reduce lending risk, so as to improve the enthusiasm of lending.Р(3) to accelerate development and enhance their economic strength. Small and medium enterprises according to market and policy changes, timely adjustment of industrial structure, improve petitiveness of products, to create more profits, improve petitive advantage in the finance market, so as to get more lending opportunities.