基于产业集群的中小企业融资模式创新研究

中小企业集群融资通过集群内产业联系、声誉机制与信用成本等形成特殊的企业间制约关系,既可以发挥集群的信用优势、规模优势和竞争优势,解决中小企业融资的困难,又可以降低银行的交易成本,推动我国金融市场的发展与创新。本文阐述了国内外中小企业集群融资实践及研究现状,分析了集群融资模式及特征,并以江西省为例,论述了集群模式选择和所存在的问题,最后提出了相应的对策建议。

SME is an effective industry organization, which represents the local core competitiveness. With the interacting relationship, SME cluster financing can not only exploit the advantages of SME clusters, such as credit, scale and competition, but also decrease the transaction costs of hanks. Additionally, SME cluster financing can benefit the SME financing and promote in- novations and developments of finance market. This paper reviews both the foreign and domestic theories and practice of SME cluster financing, analyzes the cluster financing modes and features, and finally proposes some related suggestions.