network financing is a win-win initiative well known that SMEs are an important force in China's national economy and social development. According to official statistics, China's SMEs account for 99% of the total number of enterprises, employment opportunities offered jobs accounted for 75% of China's cities and towns. Its development, a direct impact on employment and economic growth of our country. Although SMEs play an important role in social development, but statistics show that: the current average survival time of less than 3 years of SME, SME financial statements widespread confusion, a lack of available collateral issues such as weak anti-risk capability .