“义乌商圈”融资发展研究——以“稠行模式”为例

改革开放以来,以中小企业为主要载体的"商圈"迅速发展起来,"义乌商圈"就是其中最具特色的代表之一。浙江稠州商业银行作为一家扎根于义乌的"市场银行",与"商圈"同成长、共命运,积极开展金融创新,探索出了一条适合"商圈"发展的"稠行模式"。本文通过对"稠行模式"经营特点的分析,以期为我国商圈融资发展提供新的思路和对策。

Since the Reform and Opening Up, the ＂Business Circle＂, with the small and medium enterprises （SMEs） as the main carriers, has developed rapidly, among which ＂Yiwu Business Circle＂ is one of the most distinctive representatives. Zhejiang Chouzhou Commercial Bank, as a ＂Market Bank＂ taken root in Yiwu City, is growing together with ＂Business Circle＂ under the common fate, and actively seeking the financial innovation, hence we explored the way of ＂Zhejiang Chouzhou Commercial Bank Pattern＂ suitable for the ＂Business Circle＂ development. The research, through the analysis to the operation characteristics of ＂Zhejiang Chouzhou Commercial Bank Pattern＂, is expected to provide the new thoughts and measures to the financing development of national ＂Business Circle＂.