Abstract: There is a great deal of spare capital in the financial institutions but some medium and smallsized enterprises being short of money are in trouble,which embodies the structural contradiction in the finance field.The reasons for the condition is that there exist four bottlenecks which restrain the small business from financing,that is,institution bottleneck,channel bottleneck,creditability bottleneck and system bottleneck.The paper analyses all the bottleneck and proposes the selection of countermeas...