1. The loan coverage and financing scale of SMEs are relatively low. Small and medium-sized enterprises in the capital market, the door of public issuance of stocks and bonds financing is higher.2. The financing cost of SMEs is high. The comprehensive financing cost of small enterprises is generally 23 times of the benchmark interest rate. Private financing costs more. According to some large guarantee companies, the current annual interest rate is generally 209% 30%. Moreover, the financing procedures of small and medium-sized enterprises are complicated and take a long time.