Are financing channels and bank interest rates a key factor to affect the survival and development of SMEs? To study this problem, the author carries out a comparative study of two types enterprises in Hangzhou Northern Software Park and its surrounding textile and garment aggregative area .This paper summarizes the main characteristics of learning barriers between the high-tech enterprise and the traditional enterprise. The author believes that overcoming organizational learning disabilities and making open innovation are fundamental to the transformation and upgrading of traditional SMEs.