中小企业融资难与浙江传统产业升级研究

A Research of SMEs’Difficulties in Financing and Zhejiang Traditional Industry Upgrade

浙江中小企业的发展对全省经济起到了积极的推动作用,义乌小商品城、永康五金市场等集群经济是浙江经济的亮点。但是,大量研究表明构成浙江产业集群主体的中小企业面临众多问题,其融资难问题已成为阻碍企业发展的瓶颈。另外,我们注意到浙江中小企业以传统产业为主,传统产业易复制的特点在浙江得到充分的"发挥"。本文从中小企业融资的现状入手,结合中小企业的特点分析融资难的原因,并提出以实现产业升级,信贷方式升级,信用升级,产品价值升级四方面的升级来解决中小企业融资难问题。

The development of SMEs in Zhejiang province’s economy has played a positive promoting effect to the entire province economy,the colony economies like Iwu small commodity city and Yongkang metal market are the Zhejiang economy luminescent spots.But,massive research indicated that the composition of industry colony,SMEs,are facing many problems.The financing difficulties have become the bottleneck of obstacle for enterprise development.In addition,Zhejiang SMEs are mainly traditional industries,traditional industries easily replication characteristics have played fully in Zhejiang.This paper obtains from SMEs financing status,analyzes the causes of difficulties in SMEs financing by combining SMEs characteristics and proposes four ways to solve SME financing difficulty ： industrial upgrade,credit way upgrade,credit upgrade,product value upgrade.