Financing and expressly access to financing has had been a major issue of research in the area of SMEs sector, and accordingly the issue has significantly drawn the attention of both researchers and practitioners whether it developed countries or developing countries. Nevertheless, the issue is particularly significant for SMEs sector in developing countries. This is for the three basic reasons. First, the growth of SMEs sector and sufficient access to finance in this sector may well have effect on reducing widespread poverty in developing countries. Second, the argument of financing role in development largely depends on the availability of financial channels and the interest of SMEs to those channels. Third and final, SMEs in developing country find themselves in handicap position when it comes to uncomplicated access to financial services, particularly when it comes to comparing SMES access to financing in developed countries (World Bank Report, 2008). In addition, as according to World Bank Report (2008), one of the major hurdles of fostering SMEs is deficiency of financing in developing countries, where if financing is accessed adequately and conveniently, it will play foremost role in expanding growth of the economy, create large scale employment and reduce poverty in these countries.
Today China is ranked as the second largest economy in the world after the USA, and when it comes to developing countries, it the first largest. What significantly draw our attention regarding Chinese economy is that SMEs plays an important role in this second largest economy of the world. This is evident through the fact that in 2009, SMEs in China threw in 35 percent of the country’s total GDP. Nevertheless, the issue of concern is that SMEs access to financing accounted for just 6 percent of the total (Jiaobin and Yuanyi, 2011). No wonder therefore, as according to Jiaobin and Yuanyi (2011), the issue of financing has turned out to be the major worry for SMEs in China and duly the issue has come out as a burning policy issue for the government in the country. For that reason, it is quite relevant to conduct a study of financing SMEs in China.
融资和明确的融资渠道已在中小企业领域的研究领域的一个重大问题，并相应的问题已大大吸引关注的研究人员和从业人员无论国家还是发展中国家的发展。然而，这个问题在发展中国家的中小企业尤为重要。这是三个基本原因。首先，中小企业部门提供本部门的财务增长很可能在发展中国家对减少普遍的贫困的影响。第二，发展中的融资作用的争论在很大程度上取决于金融渠道的可用性和中小企业对这些渠道的利益。第三和最后，在发展中国家，中小企业发现自己在缺陷位置时简单的金融服务渠道，尤其是在发达国家中小企业获得融资的比较（世界银行的报告，2008）。此外，根据世界银行的报告（2008），其中一个主要的障碍是扶植中小企业融资不足的发展中国家，如果融资是充分和方便地访问，这将扩大的经济增长中发挥重要的作用，创造大量就业和在这些国家减少贫困。
今天，中国的排名为世界第二大经济体后的美国，而在发展中国家，它的第一大。什么明显引起我们的注意对于中国经济，中小企业在第二世界最大的经济体中起着重要的作用。这是显而易见的事实，通过2009，中小企业在中国将在该国国内生产总值的百分之35。然而，值得关注的问题是，中小企业获得融资仅占总数的百分之6（jiaobin和元一，2011）。毫无疑问，因此，根据jiaobin和元（2011），融资难问题已经成为中小企业在中国主要担心的问题，已出现了对该国政府强烈的政策问题。出于这个原因，它是进行在中国中小企业融资的相关研究比较。
