中小企业贷款难是个老生常谈的话题,正因其贷款难,使中小企业的发展受到影响,集群融资不失为解决这一问题的新思路。中小企业集群,是指基于专业化分工和协作的众多彼此独立的中小企业集聚于一定地域范围内而形成的稳定的、具有持续竞争优势的集合体。中小企业间所形成的这种集群关系无需用契约来维持,而是以“信任和承诺”等人文因素来维持其运行。集群内部 The difficulty of making loans to small and medium-sized enterprises is a commonplace topic. Because it is difficult to make loans, the development of SMEs is affected. Cluster financing is a new idea to solve this problem. The SME cluster refers to a stable, sustainable competitive advantage formed by a group of independent SMEs that are gathered in a certain geographical area based on specialized division of labor and collaboration. This kind of cluster relationship formed between small and medium-sized enterprises does not need to be maintained by contracts, but is maintained by human factors such as “trust and commitment”. Internal to the cluster