Abstract：The paper analyzes external environment and internal restrictive factors ofrural small and medium-sized enterprises (SME) financing.In order to solve difficulties in rural SME financing, policy mechanisms should be established, which include formation of financial institutions with a policy nature specifically for rural SME, further opening up and invigorating the rural financial market and establishment of credit guarantee organizations.At the same time, rural SME enterprises themselves should explore and set up enterprise groups guarantee mechanism, carry out supply chain management, e-commerce and the third-party logistics to reduce the amount of funds used. It is essential for rural SME enterprises themselves to strengthen their integrity, to improve credit information public awareness and beware of the transfer of credit morality risk.