The current situation is that small and medium-sized enterprises have insufficient liquidity, operating funds, and various funds required for investment and development, which limits the speed and scale of their development. On the one hand, banks are unwilling to lend in order to prevent risks. On the other hand, investors are worried about small and medium-sized enterprises because they are responsible for their own profits and losses, have no backing, will not be supported by the state, and have high risks. In many cases, the current solutions cannot meet the development needs of small and medium-sized enterprises. Therefore, The big aspect is to look at the country's policies. Otherwise, there is no way or measure that can solve the plight of every small and medium-sized enterprise. The managers of every small and medium-sized enterprise must change their concepts. Concepts are very important. This is in addition to the country's overall direction. Instead of thinking of an effective way to solve the capital shortage problem of "small and medium-sized enterprises" other than macro-control, managers of each enterprise should solve the problem based on the current situation of their own enterprise, local policies, environment, interpersonal relationships, etc. The shortage of funds faced by "own enterprises" is otherwise unrealistic. It is difficult to borrow money and obtain financing. The real reason must be found first. The investor's confidence in your project is very important. Banks must act in accordance with national policies, but banks also To achieve benefits, how to negotiate and mortgage is on the one hand, and on the other hand, it is to rely on the outside world's evaluation of the market prospects of your project. These also have an impact on individual investors, through investment meetings, press conferences, or demonstrations, to evaluate development. Prospects increase the confidence of investors. These are very important. Others should be formulated based on personal abilities, interpersonal relationships, surrounding environment and other specific circumstances. In short, the return on investment should not be too high, which makes people feel that it is not reliable, or too low, which is useless. But a lower level makes it feel more reliable, and the most important thing is - stable. In addition to considering profits and losses, investors also mainly consider the safety of funds.