中小企业融资:瓶颈与破解——基于产业集群的视角

SME Financing:the Bottleneck and Its Solution——Based on the Perspective of Industrial Clusters

中小企业融资"难"一直是困扰着地区经济良性发展的一大隐忧,具体表现为:银行资金的供给能力和中小企业发展的资金需求不稳定性的矛盾,银行的放贷偏好及严格的信贷管理制度与中小企业自身必要功能缺失的矛盾;"银企博弈"中的信息不对称问题。而产业集群具有降低商业银行信贷风险、可以有效解决"银企博弈"中的信息不对称问题等优势,可以很好地化解银企矛盾。为此,解决中小企业融资瓶颈,发展特色产业集群势在必行,这样才能促进中小企业可持续发展。

It is hard for small and middle-sized enterprises（or SME） to finance, which has been a secret worry to hinder the sound development of economy. The Difficulties are manifested in the following as- pects：the stability between bank supply capability of capital and capital need of SME; the contradiction between loan preferences of banks and strict credit management and the absence of necessary functions of SME itself; the information asymmetry in bank-business game. But industrial clusters can reduce the credit risk of commercial banks so as to solve the information asymmetry in bank--business game. In or- der to solve the problem of SME financing bottleneck,it is imperative to develop industrial clusters to promote SME sustainable development.