A Study On The Financing Of The SMEs Based On Industrial Clusters

Industrial cluster is an inherent law of industrial development. It is the objective requirement of market allocates resources and rational use of the industrial elements. It built up a high social collaboration system and strongly improving regional competitiveness. Industrial clusters based smal businesses. At present, small businesses has accounted for more than90%of the total number of enterprises in china, small businesses has become an important part of China’s national economy, especially on the construction of the socialist market economy, increase jobs and fiscal revenue take responsibility for the state and society. However, small enterprises of our country has untold difficulties in the moment of the development, especially on the demand of the big and strong business development strategic objectives, financing situation is unsatisfactory. According to statistics, small enterprises in china amounted to more than43million, the average lifespan is less than5years. The reason SMEs fail is that financing channels are limited caused them lose good capital chain and the ability of market competition. Therefore enterprises is trapped in cycle of self-struggling and that lead to the result of closing down.. To facilitate small business finance and bottleneck in recent years, the local government published a series of policies and regulations to solve the issue, such as Anhui Ningguo of country-level cities. Exploring Chattles pledged loan models in the developed industrial cluster is a very positive step for supporting SME financing, controlling bank risk, and promoting economic growth. Additionally, small businesses on financing is superior in Government policy support and financing channels in the industrial cluster. It has some advantages in promoting the development of industrial clusters and make the small enterprises become bigger and stronger. At the same time it plays a significant role for the healthy development of small enterprises as well as participate in market competition.Based on the above, this article studied the SMEs financing of the industry cluster of Ningguo. In the course of the study, this paper proceeds deep-seated and multi-angle discussion and analysis which mainly based on three levels. One is analysis for macro environment of SMEs financing in industrial clusters within China,and summarize the reason of the shortcomings in the process of SME financing and its difficulties in financing. What’s more, the author summarizes several successful models of SMEs financing in industrial clusters. Secondly, Chattles pledged loan business financing of Ningguo in the wear industrial cluster wear as example, and explain patterns and practices of Ningguo Chattel Mortgage financing. It provides helps for promoting small enterprise financing within the industry cluster of other areas. Thirdly, Based on the existing problems of small enterprise financing within the industry cluster, its status quo and chattel mortgage financing within wear industrial cluster of Ningguo, the author proposed some counter-measures and suggestions for small enterprise financing within the industry cluster from four levels including strengthen policy support, improve system security mechanisms, innovative financing and promote enterprises’ strength. It aimed at provide reference for SMEs financing within the industry cluster and make some useful contributions in promoting the healthy development of SMEs.In addition,in the way of bright points and innovative ways, on the one hand of research methods, the paper analyses the financing situation of SMEs in the industrial cluster, points out shortcomings and the reason for the existence of the problem. Moreover, the author proposed some countermeasures and suggestions for how to promote small enterprise financing within the industry cluster from four levels including policy, institution, technique and the enterprises themselves. It has a strong practical significance for thorough treatment and system. In short, through the discussion of this article, the paper effectively explored the basic situation of SMEs financing within the industry cluster and some beneficial explorations done by parts of the cities. According to the experience and methods of their financing, the author makes a certain amount of practice and exploration targeted to promote the financing levels of small enterprises in the industrial cluster and the overall development of industrial clusters.