Innovative Research Based On Sme Financing Model Of Cluster Unprofor

SMEs are the most dynamic economic groups, economic and social development in China a major force. SMEs in the development of local economy, increasing income, raising the employment rate has played an important role. As we all know, the more a company needs more development funds, more funds will need to park development, so the funding needs of enterprises is continuing, the enterprise will always present shortage of funds, and lack of funds to enterprises must be carried out financing. At present, SMEs generally face the problem of financing, to explore this issue is not only conducive to the deepening of theoretical research, but also for SME financing to provide effective financing model has very important practical significance.SME cluster is not just a simple aggregation, but also the formation of a large number of interrelated organisms SMEs, the situation changes in the formation of economic prosperity flexible economy. Therefore, financing through the cluster model to effectively address the problem of financing small and medium enterprises, and ultimately promote the development of SMEs. The cluster funding model includes a variety of financing models and some models have been widely used in Western countries, through the financing model cluster home and abroad, to explore suitable for SME financing and development of effective models - the HSP cluster financing mode.In recent years, rapid development of SMEs in Yunnan, but also has the advantage of industrial clusters, to choose the cluster development of SMEs in Yunnan Province financing model, not only can solve the problem of financing small and medium enterprises in Yunnan Province, but also to promote the economic development of Yunnan, while driving Economic development of western China. This paper analyzes the financing of SMEs, SME clusters financing to SME clusters based on the model of UNPROFOR to find financing for an effective mode of financing of SMEs in Yunnan. By combining the advantages of industrial clusters in Yunnan , the final financing model a little cluster, the cluster to make up for past lack of financing models, summarized the development of clusters for the financing of SMEs in Yunnan innovation model .