Abstract This text is the role studying the policy finance and acting in the course of economic development, probe into the government 2001 as the background through the holding company law of the finance, inspected it over the last three years after the government removed and controlled, change in the economic and social category of the local capital market of Taiwan. While studying the financing of small and medium-sized enterprises in the past, documents lacked the deep financing behavior of analyzing small and medium-sized enterprises and bank to study, Uzzi (1999) Think that it influences and promotes private information in the network to share to embedded ties relatedly, at the same time the advantage of the market relation lies in obtaining the public information of the price and loan chance on the market, so different one has different advantage and characteristic relatedly in this financing network. This research asks on the view of regional development, ' the relation finance ' on earth finances of relations whether lower the ground cost effectively? Control the fund that can be apter to draw or tighten even more through the government remove the finance? So, this research is with Granovetter mainly (1985) think that the social embeddedness, analyse the turn of the market of the regional capital from three literary composition surfaces: Including the capital market structure, the debt-credit standard awards the policy of the lender with the bank, and inlay to the related embedded ties role in the debt-credit course. This research adopte the questionnaire and interview law of the depth. Aim at the difference among different banks, such as understanding that credit is close to, service range, and debt-credit way etc. especially give the commercial behavior of small and medium-sized enterprises, the reference while regarding doing as the public decision of regional development in financing about the silver. 1. In remove on gold change by regional capital market structure government to Kaohsjung after changing, it removes and controls the assisting of a gang of banks and local banks to still needing the officer on the financing channels of regional small and medium-sized enterprises of the area of Kaohsjung, have on the financial service of the area again, the financial serivce object that the private gold accuses of is to rely mainly on consumption finance, the service to regional small and medium-sized enterprises is had and still needed to make great efforts. 2. Credit policy of financial institution, after investigation and analysis of this research,it accuse of gangs of bank and officer stock by bank to in enterprise award letter the procedures and loan to put getting looser in standard. In addition as to with pay attention to being greater than the private money accusing of and private bank person who do in the test of market factor, linking the more deeply of its embedability of bank of the local characteristic especially the smaller in scale, the deeper the doing in the test amount is by the factors of people. 3. To small and medium-sized enterprises of the area of Kaohsjung, it has already been used to doing the trade of credit in the bank with local characteristic ; In scale of the capital, the bank of the capital with the larger volume, the procedure has put tediously more long to the loans of small and medium-sized enterprises, must often seek the letter via accusing of two times in charge of the centre , the cost obtaining the fund to small and medium-sized enterprises naturally will be higher, so, the government should offer the norm and respect in considering the localization of the market that the bank classifies, make the big pet bank coexist altogether flourishly.