基于集群的弱小经济体融资合作模式研究:信用联盟案例

Research on Cluster Financing Cooperation of Small Economies:Credit Alliance Case

中小企业、农户、商户等弱小经济体集群理论上存在独特优势,但现实中却面临融资困境的矛盾,原因之一是缺少组织化的制度安排。济宁市农村信用社系统推广建设的信用联盟案例证实,建立在以集群内部产业分工与合作基础的融资合作,通过信息机制、声誉机制、规模效应等,可以改善中小企业的融资条件。

Cluster financing of small and medium enterprises, farmers, businesses and other small economies taces the contradiction between theoretical unique advantage and realistic financial predicament. One reason is the lack of arrangement. Jining rural credit system credit alliance prove that based on business division and cooperation among the cluster of enterprises, credit alliance improves financing conditions via information system, reputation mechanism, and scale effect, and can solve the financing problems for SMEs effectively.