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Due to the lack of a clear, specific financing strategy, risk management, financing of SME in China there are many problems and obstacles, which severely restricts the long-term development of SME in China. Therefore, the study contributes to the risk of SME financing sustainable development; while for other enterprises have some reference.In this paper, SME financing risks as the research object, using a combination of theory and practice ways to analyze the problem, to use my work in SME to facilitate long-term, small and medium enterprises through a number of research, historical data access to a variety of SME financing , data, using statistics, comparison, induction, deduction and other research methods, the information obtained to be a comprehensive analysis, management theory and corporate finance to risk management theory, the financing of SME to identify and evaluate risks, then this Based on the risk of an early warning system for SME financing and financing the overall risk control framework. Then raised from the optimization of the financing environment for SME; strengthen internal control, control financial risks; positive relationship between development bank loans; the scientific management of the financing decision; expanding financing channels for SME to improve SME financing in five areas of risk management safeguards. Finally, Shenzhen United Zhitong Technology Co., Ltd. as an example of Zhitong risk management of SME financing.
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