中小企业集群融资,对于供给方金融机构来说可以降低信贷成本、交易成本、信贷风险,增加信贷收益,促进银行经营方式转变;对于需求方的中小企业来说,更容易获得资金,并且可以促进中小企业的良性循环。这些优势的发挥需要完善的机制、多样化的融资渠道和完善的信用担保体系。本文在详细论述了中小企业集群融资的优势与条件之后,对如何促进中小企业集群融资提出了对策。 SME cluster financing can reduce the cost of credit, transaction costs, credit risk, increase credit yield and promote the transformation of the bank’s operation mode for supply-side financial institutions; it is easier for SMEs on the demand side to obtain funding and can promote A virtuous cycle of SMEs. The development of these advantages requires sound mechanisms, diversified financing channels and a sound credit guarantee system. After elaborating on the advantages and conditions of SME cluster financing in detail, this article puts forward countermeasures to promote SME cluster financing.