International Association of Computer Science and Information Technology(IACSIT)
Although the contributions of Small and Medium-sized Enterprise (SME) to economic development are more and more important in China, there are difficulties in financing which is signed the \"Bottle-neck\" problem. Therefore, it is particularly important to optimize SME financing structure. Because optimizing the financing structure of SME can help enterprises establish the scientific financing structure, improve its own financing efficiency, and enhance the enterprises' competitiveness to meet the market. At first, this paper briefly describes the status of SME in the economic development and the problems faced by it.