Yongxing County Gold And Silver Industry SME Cluster Financing Research

Yongxing industries of gold and silver are traditional industries, has a long history of300years, mainly utilization of waste Scrap,waste residuewaste, waste water smelting and recycling gold, silver and other non-ferrous metal, raw materials, product sales are "two out",it has "renewable, zero resources "circular economy characteristics. Through years of development, Yongxing has fostered a competitive industrial clusters of gold and silver, became world famous"Chinese Silver City".Yongxing gold and silver industry is a typical capital-intensive industries, enterprises need a great fixed assets and working capital. In industrial cluster, the vast majority of enterprises are SMEs, enterprises has small businesses and less capital, lack of financial resources is the development of industrial clusters the biggest challenges. At present, the financial sector credit very little funding, the vast majority of industrial capital come from private capital, but private capital, interest rates are high, this capital environment extremely conducive to industrial development. In addition, due to price shocks and the adjustment of tax administration impact on the industry, Yongxing industry of gold and silver develop serious difficulties. Improve the financial environment of industrial clusters for SMEs to finance more fund, financial well funded, so that the industrial clusters come out of the predicament, development of sustained and healthy, is the current imperative problem to solve.This paper discusses the mechanism of financing of SME clusters, analysis the favorable factors, provide theoretical guidance to the Yongxing of SMEs clusters financing; and select several cluster funding model, to explore them in the actual cluster of Yongxing application; Finally, offer some suggestions about the construction of SMEs clusters financing. provide a new solution and methods to the financing problems of SMEs in Yongxing industry of gold and silver.