SMEs are an important force in economic prosperityand promote growth. However, constrained by asset size, mode of operation and financial system, Financing difficulty become the bottleneck of the development of SMEs, How to regulate SMEs business model, improve the social credit and guarantee system, Improve the capital market structure to ease the financing difficulties of SMEs become the focus of public attention. Through sort out the research achievements of SMEs financing at home and abroad, summarized SMEs financing theory, influence factors and countermeasures, in-depth understanding?of the?problems of?SME financing, and prospected the future research directions for SME financing, provide?support?for the development of?SME financing?strategy.