产业集群发展与县域金融支持实证分析:梁山案例

Development of Industrial Cluster and County Financing of SMEs:Liangshan Case

本文通过对山东省梁山县专用汽车产业集群的产生、形成与发展以及金融支持的历程变化分析,认为银行基于产业集群为中小企业提供融资支持,能够缓解信息不对称,降低信贷风险和交易成本,增加收益。但由于产业集群内中小企业需求差异很大,单一的信贷产品供给却限制了金融支持的力度和深度。基于此,本文给出了试行契约型主办银行、多层次信贷创新以及加大财政支持等政策建议。

Through analysis of formation and development of Liangshan special automobile industry cluster, and change of financial support process, we consider that industrial cluster＇s financing to SMEs, can alleviate the informa- tion asymmetry, reduce the credit risk, play cluster scale effect, lower transaction cost and increases banks＇ profit. However, as the development stage of SMEs in the cluster varies, the bank incentive and constraint mechanism am- plifies credit risks, and the lack of professional credit product, the financial support is limited. Therefore, this article gives some policy suggestions including the trial of compact bank, multi-level credit innovation and increasing finan- cial support, and so on.