浙江企业作为全国中小企业发展的一个缩影,其经济发展具有一定的典型性。本文以浙江为例,通过收集其主要产业集群城市企业的生产数据,运用Cobb-Douglas生产函数模型和索洛增长速度方程进行生产函数和技术进步测算,得出小额贷款公司试点实施的必要性、预期作用及对贷款业务风险管理的个人建议。 Zhejiang Province as a microcosm of the development of SMEs in the country, its economic development has a certain degree of typicality. Taking Zhejiang as an example, this paper uses the Cobb-Douglas production function model and the Solow growth rate equation to estimate the production function and technological progress by collecting the production data of urban enterprises in the major industrial clusters and concludes the necessity of the pilot implementation of the micro-credit company , Expected effect and personal advice on risk management of loan business.