Research On The Innovation Of Small And Medium - Sized Enterprise Cluster Financing Mode In Industrial Park

Our country began the planning of industrial park since1990s, and the industrialpaik has now developed more than ten years. The industrial park is a form of thecluster of small and medium-sized enterprises, which can reflect the characteristic ofdynamic clusters development etc. Small and medium sized enterprises clusterdevelopment is the inevitable trend of economic development. In terms of financing,the cluster can overcome the lack of credit, and the high risk. At present, the clusterfinancing of SMEs in China has a lot of forms, but there are still some problems. Thedevelopment of foreign industrial park provides a good reference to us, and theindustrial park should have the innovation in cluster financing, and in the governmentleading, the improvement of environmental aspects.The main content of this paper is divided into six chapters:The first chapter is the introduction, discussing the main contents of this paperand significance, and analyzing the present situation of research on this topic at homeand abroad;The content of the second chapter is the theory of the cluster of small andmedium enterprises, financing, cluster financing basis, laying the groundwork for thefollowing;The third chapter analyzes the difficults of the financing of Chinese small andmedium-sized enterprises, which are credit problems, the high risk coefficient, highcost and the system dilemma. The SMEs cluster financing can improve the creditfinancing, and share cost, and make access to government policy support advantages.There are many cluser financing types, such as the self raised funds, mutual guaranteeloans, external contract lending, relationship lending and cluster stock claim marketfinancing mode, and this paper analysises the advantages and disadvantages of thesepatterns one by one;The fourth chapter analyzes the financing mode USA, India and SingaporeIndustrial Park to our country, then puts forward the idea of the innovation offinancing mode, including the exogenous financing mode and quasi endogenousfinancing mode;The fifth chapter takes the development of XiaoMeng Industrial Park in GuizhouProvince Guiyang City as a case, analysing the status of financing mode of ourcountry park, and reflecting the necessity of clusters financing perfection of IndustrialPark in our country SEMs;The sixth chapter discusses the financing mode of China’s Industrial Park, perfect supporting improvements needed，including the improvement of the Parkstrategy, promotion the formation of enterprise cluster park; strengthen of governmentguidance, innovation of financing mechanism; vigorously cultivation of regionalbrand in industrial park, creation a good market environment; improvement the clusterenvironment construction, improvment the agglomeration level of enterprises, andexpansion the agglomeration effect and improvment industrial park policy systemetc..