Cluster Financing Mode Of Small And Medium-Sized Enterprises Loan In Exploration-Application And Risk Control

In socialist market economy environment, medium and small micro enterprise development is rapid, can not only solve the employment problem, can promote and improve the refinement of social division of labor, to achieve economic development, stable social order. The small and medium-sized enterprises in development at the same time, also faces a severe test, financing is a problem to be solved. In view of this, this paper uses the method of normative analysis and case study combined, based on analyzing the operating characteristics of small and medium-sized enterprises and bank business risk preference, the interpretation of bank credit risk, and the small micro enterprise credit risk control status of a detailed analysis, combined with case of financing of Sichuan Province Chengdu Lotus Pond beauty salon cluster City, to explore the characteristics and feasibility of cluster financing mode, break through the analysis of "cluster" effect in solving the small micro enterprise financing difficult problem, to offer a copy of the financing model to solve the small micro enterprise financing difficulties, has important practical significance.The main contents of this paper are as follows:The first chapter is introduction. It elaborates the selected topic background and the research significance, research ideas and research methods, innovation and deficiency.The second chapter is small micro enterprise financing theory and credit risk analysis theory. It first from the pecking order theory and financial growth cycle theory to small micro enterprise financing theory analysis, then the bank credit risk analysis theory to do the analysis,5C analysis and the covering credit debt credit risk rating method.The third chapter is the small and medium-sized enterprises financing difficulties and the cluster financing model. First, the existing problem and reason analysis of medium and small micro enterprise financing from three aspects of national policy, the bank angle and small and medium-sized enterprises of their own problems; then the further interpretation of the credit risk of commercial bank, a detailed analysis of small micro enterprise credit risk control status; on this basis, propose solutions to small micro enterprise financing difficulties cluster financing model, separately from the mutual aid type, cooperation type study the mode of operation, and compared with traditional credit, analysis of SMEs and micro enterprises using the cluster model of financing advantages.The fourth chapter, a case study of Lotus Pond financing of small enterprise cluster of beauty. Through a detailed analysis of the Sichuan Chengdu Lotus Pond beauty salon cluster financing case, discusses the breakthrough cluster financing model in solving the small and medium-sized micro enterprise loan difficult problem and progress. Sichuan Chengdu Lotus Pond beauty salon cluster financing loans broke through traditional frame of loans, with clusters of 13 households Small and micro businesses single households to provide no less than 20% of the loan amount of margin based mutual fund, the establishment of seed, the total margin of 6500000 yuan,5 times the expansion in the margin on the basis of the whole, obtain 32500000 yuan of bank credit. Leaders within the cluster taking fund manager role, and the banks to manage the fund’s lending business, forming the risk sharing mechanism. These 13 enterprises obtained the development funds, banks also expanded the business, between banks and other financial institutions and small micro enterprise financing contradictions are good coordinationThe fifth chapter is prospect. From the small and medium-sized micro enterprises themselves, financial institutions such as banks, puts forward the proposal and the government, guarantee agencies and chambers of Commerce and other point of view, to further the implementation of financial innovation, solves the small and medium-sized micro enterprise financing difficult problem of prospect.In this paper, taking the Lotus Pond beauty salons, small business financing for example, break through the analysis of "cluster" effect in solving the small micro enterprise financing difficult problem, and the commercial bank risk control measures, and the future development direction of the mode to put forward the improvement proposal and deeper thinking.The main innovative points are as follows:one is through the analysis of Sichuan Province, Chengdu City Lotus Pond hairdressing small enterprises cluster financing case, the financing model of cluster demonstration breakthrough in solving the small micro enterprise financing difficult problem on the. Two is the cluster mode of financing is a financial innovation of commercial banks, the innovation can make loan products and applications, has the practical significance and the reference. Three is to put forward suggestions for SMEs and micro enterprises, financial institutions, enterprises, chambers of Commerce of guarantee agencies, in order to achieve the purpose of cooperation to solve the financing difficulty.Limited to the authors’ability, as well as the limitations of the relevant information, the paper also shows shortcomings and room for improvement. This paper relies on case studies to demonstrate the real draw conclusions. However, this has not been the case in the interbank large scale, in a different economic environment and whether the area can get a good result, it is not known. Defect cluster financing model has yet to be proven.