与单个、游离的中小企业相比,基于产业集群模式的中小企业在债务融资方面有着明显的比较优势:增加了信息的对称程度;部分地修正了风险、成本与收益之间的偏离关系。充分利用和发挥这些优势,并遵循产业集群的内在机制,进一步强化产业集群建设,培育和发展关系型信贷模式,对弥补中小企业“债务融资缺口”有重要的现实意义。 Compared with a single, free SMEs, SMEs based on industrial clusters have obvious comparative advantages in debt financing: increasing the degree of symmetry of information; and partially correcting the deviation between risk, cost and return. To make full use of these advantages and to follow the inherent mechanism of industrial clusters, it is of great practical significance to further strengthen the construction of industrial clusters and foster and develop the relational credit model, so as to make up for the “debt financing gap” for SMEs.