在企业进行融资的过程中,中小型企业特有的信贷时间较短、借贷资金较少的特点成为中小企业在融资过程中的优势所在。也是我国银行等信贷机构开展自身业务的全新市场。然而由于我国中小型企业的发展历程较短,其自身存在的管理缺失和经营不善,导致在实际的融资过程中并没有很好的凸显自身的优势所在。为此,笔者就集群中小型企业的融资问题,进行了分析并提出了建议。 In the process of corporate financing, the special credit time of SMEs and the characteristics of less borrowing funds have become the advantages of SMEs in the financing process. It is also a brand-new market for China’s banks and other credit institutions to carry out their own business. However, due to the short development history of small and medium-sized enterprises in our country, its own lack of management and mismanagement has led to the failure to highlight its own advantages in the actual financing process. To this end, the author conducted an analysis and made recommendations on the financing of clusters of small and medium-sized enterprises.