中小企业集群融资的制约因素与对策研究——以福建省为例

Research on the Constraints and Countermeasure of SME Clusters Financing——Taking Fujian Province as the Example

虽然中小企业集群具有独特的融资优势,但现实经济中这些集群融资优势并未得到充分发挥。制约福建中小企业集群融资的主要因素有集群中的中小企业合作文化缺失、集群企业产业关联度较低、集群融资的信贷技术运用不足、集群区域的金融市场结构不完善等。培育集群的中小企业合作文化、强化集群企业的产业关联、充分运用集群融资信贷技术及构建多层次的集群区域金融市场结构,可以化解福建中小企业集群的融资困境。

SME clusters have unique advantages on financing,but there are some factors that hinder the use of such financing advantages of SME clusters.From the angle of industrial cluster,this article analyzes the main constraints of SEM clusters financing in Fujian province.Therefore,in order to relieve the financing difficulties of SEM clusters,it is necessary to develop the culture of collaboration in SME clusters,to strengthen the industrial correlation,to make full use of the credit technique of clusters financing and to structure the multi-layered financial market.