产业集群内间接融资的特点及策略研究(正文)解析.doc

本科毕业设计（论文） ( 2013 届 ) 题 目： 产业集群内间接融资的特点及策略研究 分 院: 专 业: 班 级: 0 姓 名: 学 号: 0304013146 指导老师: 完成时间: 201年月 摘要：在发达国家，中小企业通常以集群的形式存在。这种产业形态帮助中小企业相互支持相互帮助，共同发展，形成了合作共赢局面。中小企业对我国经济发展具有巨大的推动作用，尤其是中关村中小信息科技公司更在我国信息化发展过程中做出了重要贡献。但是，由于中小企业在市场竞争中长期处于一种弱势地位，以及中小企业自身存在的缺陷，尤其是在银行信贷方面，中小企业遇到了一系列难题和困境。这些难题和困境阻碍了中小企业的进一步发展和壮大。但是，中小企业以集群形式存在，自身具有一系列特点和优势。尤其是在申请银行贷款方面，中小企业的分工协作和重视信誉，以及根治性强等特点。这是在信贷博弈模型下单个中小企业无法相比的优势。因此，研究如何利用中小企业自身集群优势，构建合适的中小企业集群间接融资模式，消除银企之间供需矛盾，提升银行扩展信用贷款能力，能够有效解决中小企业融资信贷难的问题。 关键词：产业集群；中小企业；间接融资 Abstract: In developed countries, small and medium enterprises is usually in the form of clusters exist. This industry to industry to help SMEs to each other mutual support and common development, cooperation and win-win situation. SME has a significant role in promoting Chinas economic development, especially in the the Zhongguancun small and medium-sized information technology companies have made ??an important contribution to the process of the development of Chinas information technology. However, due to the small and medium enterprises in the long-term market is in a weak position, as well as SMEs inherent defects, especially in the area of bank credit, SMEs encounter a series of problems and dilemmas. These challenges and dilemmas hinder the further development and growth of SMEs. However, the SME cluster form of existence, has its own set of characteristics and advantages. Especially in applying for bank loans, SME division of work and attention to credibility, as well as radical and strong features. This can not be compared to the advantages of a single SME credit game model. Therefore, to study how to take advantage of the SME cluster edge to build SME clusters indirect financing model, to eliminate the contradiction between supply and demand between banks and enterprises, enhance the lending capacity of the banks extended credit, can effectively solve the difficult problem of SME financing credit. Keywords: industrial clusters; SMEs; ind