The development of “twin engines — popular entrepreneurship and innovation” in China represented by science and technology entrepreneurship and innovation is facing serious financing bottleneck, and the bank can play an important role in alleviating its financing difficulties. Based on the analysis of the different stages in the development of science and technology enterprises and the financing demand characteristics, the paper puts forward that in the initial and the growth period, the community banks lending technology — relationship lending could be appropriate used to provide financial support, and therefore should be speed up to set up community banks and branches of science and technology, science and technology develop relational lending, also the linkage of investment and loan should be used to do a good job in financial support entrepreneurship and innovation and risk prevention and control, and also the integration of technology community banks and and the Internet should be strengthened to provide powerful financial support for entrepreneurial and innovation.