Small and medium-sized enterprises play an important role in our economical development. This paper analyses the inner and outer reasons which make financing difficult in detail and puts forward suggestions and measures. To solve the problem of difficult financing for small and medium-sized enterprises, every enterprise need to perfect its own management system. In addition, related financial organizations should make ways for medium and small-sized enterprises by developing financial products, as wellimprove credit systems. The undevelopment of financial market leads to the high financing cost and social impact. So enterprises also need to contact more with banks in order to better play a role in social econocial developments.