Credit Behavior Of The Financing Of Sme Clusters Studied

Medium&small enterprises (SMEs) are one of the most active factors in the domestic economy, playing a more and more important role. The difficulty these SMEs face in financing has been becoming the bottleneck in their further growth. In recent years, the industrial cluster expresses sturdy competition, being subjected to the large scholars' concern. But it is hard to see the research of SMEs cluster financing, lacking system to induce analysis theoretically, lacking more in the theories to guide a next positive research. Therefore, the paper takes SMEs in industrial cluster for object to research theirs credit behaviour from the angle of theoretical research and positive research.The paper researches the credit problem of SMEs cluster finance with the SMEs industrial cluster theory, SMEs' finance and credit related theories, SMEs cluster finance theory for foundation. The paper firstly points out the credit structure of SMEs and its performance appearance, then analyse the credit behaviour from the clarity of information model. The economic relation network and social relation network make up of complicated cluster network, making the information publish to have very strong reliability, full and in time. So the clarity of information is higher, the SMEs incline toward the choice trustworthiness strategy and then form credit cooperation condition. Made use of simple bargain contract model to analyse SMEs cluster finance, SMEs cluster finance can promote financing solution, raising theirs level and efficiency of finance bargain. Then carried on the analysis of the factors for SMEs credit realization, it includes internal factor and external factor. The internal factor mains at SME's credit quality and credit ability, the external factor mainly is natural environment and social environment. Under the analysis of SMEs cluster finance mechanism, the paper makes positive research, analyzing credit influencing factor and the factor opposite importance degree, also makes verification to the relation of management environment, society to associate, the clarity of information with credit level. At the last time, the paper puts forward some counter plans and suggestions to optimize credit behaviour of SMEs' cluster finance according to the theories analysis and positive analysis.