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中小企业融资难一直是困扰中小企业发展的一个难题,其主要原因在于信息不透明和不对称程度高、交易成本高、经营风险大、诚信度较低等方面。产业集群的形成则能够降低投资者与群内中小企业间的信息不对称程度,提高中小企业的诚信度,降低投资者的交易成本,从而提高中小企业的融资能力。依托产业集群提高中小企业融资能力,需要政府引导并强化产业集群建设,加快产业集群区域民营金融的发展,加强中小企业之间以及中小企业和支撑组织、中介组织之间的合作,建立产业集群内部的征信机构。
SME financing difficulties has always been a problem plaguing the development of SMEs, the main reason is the high degree of opaque and asymmetric information, high transaction costs, business risk, low credibility and so on. The formation of industrial clusters can reduce the information asymmetry between investors and small and medium-sized enterprises in the group, improve the integrity of small and medium-sized enterprises and reduce the transaction costs of investors, so as to improve the financing ability of small and medium-sized enterprises. Relying on industrial clusters to improve the ability of SMEs financing, the government needs to guide and strengthen the construction of industrial clusters, speed up the development of private finance in the industrial clusters, strengthen cooperation between SMEs and SMEs and support organizations and intermediaries, and establish internal clusters The credit agencies.