西部中小企业融资困境与集群解决途径研究

Small and Medium-sized Enterprises in the Western Region:Difficulty in Finance and the Solution of Clustering

由于所处区位融资环境和自身固有的弱点和缺陷,使西部欠发达地区的中小企业陷入了融资困境,融资难已成为制约西部欠发达地区中小企业发展的瓶颈。对此,可以从产业集群视角来探讨其解决途径。产业集群能改善西部欠发达地区中小企业融资环境,降低市场信息的不对称性,提升中小企业的信用度,遏制逆向选择和道德风险,拓宽中小企业的融资渠道,降低成本提高融资效益,能从根本上缓解中小企业的资金困难。采用集群战略是解决西部欠发达地区中小企业融资瓶颈的一条有效途径。

Due to their locational climate and inherent weaknesses, small and medium-sized enterprises in the western region fall into difficulty in finance, which has become a bottleneck restraining their development. The problem can be approached from the perspective of industrial clustering. Industrial clustering can improve finance climate, reduce asymmetric mar- ket information, increase their creditworthiness, contain adverse selection and moral hazard, expand their finance chan- nels, and lower cost and raise finance efficiency, thus alleviating their difficulty in finance. The strategy of clustering is an effective means of resolving the bottleneck in finance.