However recently,the loss of credit is getting more and more serious in China,which has not only disturbed our social and economic order but also restricted the healthy development of SMEs in rural areas.

Moderate and Small Township Enterprises are facing huge pressures in the competitive market.

Thus, firstly, to address this issue, I raised the topic of rural small and medium-sized enterprises, and propose it as the solution for our rural economy development.

In China, the difficulty in rural small and medium-sized enterprises’credit financing is a long-standing problem.

Assuming credit supply capacity of formal financial institutions is certain,based on questionnaires of 276 rural small and medium-sized enterprises in Fujian province,this paper carries on empirical analysis of factors influencing rural small and medium-sized enterprises\' credit availability with logistic regression analysis method.

Based on the data about rural small and medium-sized enterprises in Fujian in 2008,this paper uses the Logistic regression model to analyze the effects of social capital of business owners on the availability of formal credit of rural small and medium-sized enterprises.

The result shows that,in the extracted seven factors,acquaintance trust,general trust and norm have significant positive effects on informal credit availability of rural small and medium-sized enterprises;however,factors including network size,net top,special trust and loan cognition haven\'t significant effects on it.

On the Management Effectiveness Problems and Countermeasure in the Rural Middle and Primary Schools;