中小企业集群的融资优势和障碍分析

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1、技术经济与管理研究2010年第5期中小企业集群的融资优势和障碍分析张秋(河南师范大学经济与管理学院，河南新乡453007)摘要：融资难是困扰中小企业发展的主要问题。但中小企业集聚成群后却可以形成与单个的中小企业截然不同的独特融资优势：增大中小企业的守信度，降低金融机构的融资风险，促使民间融资发展等。中小企业集群的融资优势十分明显，但目前还存在一些阻碍中小企业集群融资优势充分发挥的因素，如集群内部企业专业化分工不够深入，协作程度低；银行信贷政策和意识存在偏差，银企互动关系有待加强；中小企业集群的信用担保体系建设滞后；集群内服务中小企业的金融机构发展滞后等。为缓解中小企业融资难题，促进中小企业集群

2、融资优势的发挥，我们应采取措施强化中小企业集群产业关联。建立诚信合作的集群文化；加快建设为中小企业集群服务的区域性中心银行，密切银企关系；完善中小企业信用担保体系，设立互助担保联盟；拓宽民营金融经营范围。加快民营金融机构的发展。关键词：中小企业集群；融资优势；融资障碍；集群文化；信用担保中图分类号：F274文献标识码：A文章编号：1004—292X(2010)05—0140—04TheAnalysisontheFinancingAdvantageandObstacleoftheSmallandMedium-sizedEnterpriseGroupsZHANGQiuCoHege，HenanNor

3、malUniversity，XinxiangHenan453007，China)Abstract：Amongthemanyfactorsthatrestrictthedevelopmentofsmallandmedium-sizedenterprises，thecapitalraisingdif1％uhyisthemostcrucialone．However，theseenterprises，whilegroupedandconnected，willenjoymuchgreaterfinancingadvantagethanwhentheyareseparatelyalone，theircre

4、dibilitywillbeincreased，theriskoftheirbankloanwilbereduced，andthenongovernmentalfinancingwilpromotedetc．Thefinancingadvantageofthesmallandmedium—sizedenterprisegroupsismuchinevidence．Buttherearesomefactorsthathindertheuseofsuchfinancingadvantagebysmallandmedium-sizedenterprisegroups：theunderdevelope

5、dintra-groupspecializationanddivisionoflabor，thelowlevelofthecolaboration；thedeviationsinimplementingcreditpolicies，thebank—enterpriseinteractiverelationshipremainingtobes~engthened；thelaggedcreditguaranteesystemoftheSMEgroups；andtheslowdevelopmentoffinancialinstitutionsfortheSMEsingroupsetc．Therefo

6、re，inordertoovercomethecapitalraisingdificultyfacedbythesmallandmedium—sizedenterprises，andtobringtheirfinancingadvantageintofullplay，weshouldtakemeasurestostrengthentheconnectionbetweentheseenterprises，developtrustworthyandcooperativeclustercultures；buildregionalcenterbanksfortheSMEgroupstoformaclo

7、serbank-enterpriserelationship；improvethecreditguaranteesystemfortheSMEsandsetupgift—gafsuretyalliances；broadenthescopeofnongovernmentalfinancialmanagementandquickenthegrowthofnongovernmentalfinancial