Under The Background Of Industrial Cluster Of Small And Medium-Sized Enterprise Financing Problems And Countermeasures Research

The small and medium-sized enterprise occupies the important leading position in our country national economy,it developed the impetus economy,the promotion production development positive role mainly displays in has brought the employment opportunity to the national,assisted to be connected the big enterprise to develop,the innovation technology,the enlarge government financial revenue,consummated our country economic structure and catalyzes the market competition and so on.Therefore the government and the correlation financial organ as well as the entire society all should support and assist the small and medium-sized enterprise development,creation advantageous its development management,development environment.Along with the small and medium-sized enterprise development,will be facing the fund scarce difficult position.This restricts one of small and medium-sized enterprise development important attributes,finances difficultly,finances the expensive question is suspends in front of the entire society a difficult problem.In recent years,the government already one after another appeared one was the example is advantageous to the small and medium-sized enterprise reform policy,but still did not have the financing question which fundamentally solved them to face.This article will analyze the small and medium-sized enterprise from the various research to finance the difficult multi-factors,will clean the small and medium-sized enterprise development the restriction factor,will Accelerate the development of small and medium enterpriseswill be our country national economy health sustainable development most important condition.This article object of study is under the Zhanjiang industry pattern shift small and medium-sized enterprise financing environment question and the countermeasure.First elaborated The present situation of financing of small and medium sized enterprises in Chinapresent stage small and medium-sized enterprise exists financing question.SMEs face financingifficult question to be decided the financing environment which locates immediately in it,is unable to provide the effective financing way for its financing.On the other hand through elaborated with emphasis to at present enterprise environment analysis the enterprise exists exterior and internal financing environment question.The enterprise itself strength was at the same time bad,does not have the consummation internal management mechanism,the prestige low status interior factor to restrict enterprise financing.On the other hand,should want the government with the small andmedium-sized enterprise development which the synchronization follows up to support the policy,the financial service system,the social service system and so on is unable to advance normally.Supports small and medium-sized enterprise financing the policy not to have the endurance,the systematization;Extreme limited capital market;Imperfect small and medium-sized enterprise service system;Limited financial organ service and so on,all is the enterprise exterior financing environment existence main questions.Along with the transfer of the industry pattern,zhanjiang industry cluster of small and medium-sized enterprises to form the production,the development of new pattern,to a certain extent,the financing and development has played a positive role in promoting.But in the end,to establish a favorable market development and diversified Financing system can not be separated from the government and financial institutionswith small and medium-sized enterprise work together,this is the final solution the plight of small and medium-sized enterprise financing difficulties.By taicang of mutual financing guarantee mode,hunan Mimi ROM renewable industrial park two successful cases analysis,summarized the reference suggestion.From taicang case analysis,put forward the small and medium-sized enterprises should implement industrial cluster membership,joint strength,a certain scale and good operating performance of the peer enterprises implement the mutual guarantee loan pattern,strengthen the efficiency of bank credit.Type formed industrial cluster member mutual guarantee company,the municipal economic commission and bureau of finance and zhanjiang government policy support.Mimi's case its successful reason,lies in the bank financing,organization and coordination of the government,the guarantee system of the professional operation advantages and industry advantages of renewable resources organically,to promote enterprise healthy and rapid development at the same time,realize the leapfrog development of guarantee system of their own business.In view of the current industrial cluster under the background of zhanjiang small and medium-sized enterprise financing present situation,Several countermeasures and suggestions are put forward policy environment,support the development of industrial cluster;Perfect the safeguard mechanism,optimize financing environment;Financing innovation industry,accelerate the development of enterprises;To raise their comprehensive level,improve the financing efficiency;The government intensify financial fund,etc.