Research On Bank Credit Model Based On Small Business Finacing Validity

As an important part of our national economy, small businesses are the economic subjects essential to a market economy. The same play, its to promote the development of the national economy, promote the foundation of social stability force. Especially since the reform and opening up, the small business in economic development but also plays a key role in the development of small enterprises is undoubtedly an effective way to promote the steady growth of China’s economic is in a critical period of economic transition of China, vigorously. But because of the market mechanism is not perfect, the constraints of the uneven development of the market system and the legal system is not perfect, financing difficulties, especially credit facilities difficult to become a bottleneck restricting the development of small businesses, that in our country than other countries more complex.Industrial clusters as the inherent law of industrial development, the market allocation of resources, rational use of the objective requirements of the industrial elements, for building up the regional economies with a high degree of social collaboration is significant. Enterprises in the cluster around the same industry gathering in a certain region, geographical embeddedness, built on the basis of specialization among themselves, to form a horizontal or vertical network structure. Small businesses within the cluster on the funding requirements of relevance and stability, so that small businesses have a credit joint, reduce information asymmetry, reduce transaction costs and financing advantages. It can be said that industrial clusters has become an effective way for small enterprise crack financing difficulties.Based on this, we define the starting small enterprises and their small enterprises cluster, the first analysis of the bank credit facility status quo of China’s small enterprises, and summarizes the reasons for the difficulty of small business banking credit facilities; followed financing of small enterprises cluster theory the effectiveness of the co‐financing of small enterprises in the cluster analysis, which leads to a cluster financing three characteristics: cluster characteristics influence the decisions of individual enterprises, enterprises in the cluster mutual aid can effectively disperse risks, to form a stable cluster relationship and a high degree of social credit regional traders are usually more integrity, and further carried out in‐depth analysis on the impact of financing SME clusters, which summed up the advantages of a small enterprise clusters financing; Then, starting from a credit perspective, to explore based on the cluster of small businesses financing mode selection, on the one hand, the mode of the co‐financing of small enterprises in the cluster analysis, on the other hand the different credit facilities for small enterprises cluster platform cooperation feasibility analyzes; Finally, selective optimized cluster small business credit financing environment rationalization proposals to ease the credit financing difficulties.