中小企业集群的融资优势和障碍分析

融资难是困扰中小企业发展的主要问题。但中小企业集聚成群后却可以形成与单个的中小企业截然不同的独特融资优势：增大中小企业的守信度,降低金融机构的融资风险,促使民间融资发展等。中小企业集群的融资优势十分明显,但目前还存在一些阻碍中小企业集群融资优势充分发挥的因素,如集群内部企业专业化分工不够深入,协作程度低;银行信贷政策和意识存在偏差,银企互动关系有待加强;中小企业集群的信用担保体系建设滞后;集群内服务中小企业的金融机构发展滞后等。为缓解中小企业融资难题,促进中小企业集群融资优势的发挥,我们应采取措施强化中小企业集群产业关联,建立诚信合作的集群文化;加快建设为中小企业集群服务的区域性中心银行,密切银企关系;完善中小企业信用担保体系,设立互助担保联盟;拓宽民营金融经营范围,加快民营金融机构的发展。

The Analysis on the Financing Advantage and Obstacle of the Small and Medium-sized Enterprise Groups

Among the many factors that restrict the development of small and medium-sized enterprises, the capital raising difficulty is the mpst crucial one. However, these enterprises, while grouped and connected, will enjoy much greater financing advantage than when they are separately alone, their credibility will be increased, the risk of their bank loan will be reduced, and the nongovernmental financing will promoted etc. The financing advantage of the small and medium - sized enterprise groups is much in evidence.But there are some factors that hinder the use of such financing advantage by small and medium-sized enterprise groups： the underdeveloped intra-group specialization and division of labor, the low level of the collaboration ; the deviations in implementing credit policies, the bank-enterprise interactive relationship remaining to be strengthened; the lagged credit guarantee system of the SME groups; and the slow development of financial institutions for the SMEs in groups etc. Therefore, in order to overcome the capital raising difficulty faced by the small and medium-sized enterprises, and to bring their financing advantage into full play, we should take measures to strengthen the connection between these enterprises, develop trustworthy and cooperative cluster cultures; build regional center banks for the SME groups to form a closer bank-enterprise relationship; improve the credit guarantee system for the ShiEs and set up gift-gaff surety alliances; broaden the scope of nongovernmental financial management and quicken the growth of nongovernmental financial institutions.