Theessentialreasonofthemediumandsmallenterprises ' financingdifficultyistheasymmet-r ic information between banks and enterprises. By eliminating the asymmetry at certain extent，SCF pro-vides newway to solve the financing difficulty，and as the combination of finance service and logistics service，SCFhas signi fi canteffectforShanghaitopromotetheestablishmentof“FourCenters”，andthe informationization has great counter-effects to SCF. So Shanghai must promote the informationization construction in order to development SCF.