Research On Financing Guarantee Innovation Of Small And Medium - Sized Enterprises

Since the reform and opening up, promote small and medium enterprises have become sustained, steady and rapid growth of the national economy an important force. However, the difficulties in financing, guarantees the difficult problem has never been a better solution, severely restricting its capital accumulation and economic vitality, and thus hinder the stable development of the national economy. Moreover, this is a long-term, worldwide problem. Academia, this has been a lot of research has recently been noted not only for the improvement of the regional industry clusters financing environment, improve enterprise competitiveness, promote growth with a huge advantage, while for solutions to SME financing difficulties, difficult issues such guarantees are also positive role. This article is based on the industrial cluster can promote the development of SMEs in financing guarantees to improve financing conditions for new ideas to expand the research.Firstly, the results of a representative study abroad, such as financial development theory, asymmetric information theory, the research network to sort out organizational theory, focusing on the ideas and methods expounded the theory of industrial clusters. Furthermore, cluster and SME financing guarantee industry correlation analysis to arrive at industry clusters help to solve the problem of SME financing guarantee Conclusion (clarify the correlation). Based on this, we propose the following suggestions:a government policy support;2enhance communication, build information resources sharing platform;3loans innovation;4multi-level security innovation.This article is based on industry cluster innovation Perspective SME financing guarantee issue, combined with the case of industrial clusters and SME financing guarantee for the relevant analysis, and accordingly put forward suggestions.