Model Design And Risk Control Of Private Financing Of Enterprises Clusters

The financing problem of small and medium-sized enterprises is a difficult problem to restrictthe development of SMEs. Currently the government also introduced various policies to helpSMEs solve their financing problems. Besides, the reasons of the difficulty of financing andenterprise solutions to solve the problem are studies by many scholars. But the studies of thescholars focus on how to expand the businesses specific to SMEs by the formal financial. Thearticle believe that the methods to solve the financing problem are to establish special financialsystem and provide the guarantee for the operation of the system——a risk evaluation systemshould be established so that SMEs could get finance support through the financing channel safely.In China, especially in Zhejiang province the number of private capital is large and the capitalis lack of good investment channels. The huge number of private capital and the funds lack ofSMEs provide a foundation to the study. Based on the studies of SMEs clusters financial at homeand abroad as well as the cluster financing folk financing research, the article analyzes the presentsituation of the cluster in Zhejiang Province folk financing and prove the advantage of clusterfinancing through the game theory. At the same time, calculate the private capital inflows of fundsof enterprises scale in Zhejiang province; determine the remaining folk capital stock. In addition,propose four kinds of financing modes based on the present financing patterns of Zhejiangprovince, such as private banks, finance leasing company, mutual guarantee fund. The studyprovides the reference for the development of SMEs clusters of folk financing.In this paper, through the analysis of the present financing risk of SMEs, the risk assessmentsystem for small and medium-sized enterprise cluster based on folk financing is established byanalytic hierarchy process method, in order to provide some reference, Besides, the measures toprevent the financing risk are proposed based on three aspect——SMEs, the financial institutionand the government.The paper put forward the policy suggestion to ensure the safety and efficiency during folkfinancing, to provide a theoretical basis for government departments to formulate relevant policies.