| Industrial cluster,also known as Porter cluster,refers to the concentration of an industry in a region and its upstream and downstream related industries.Porter expounds in his book "National Competitive Advantage" that the competition between countries can be expressed as the competition of industrial clusters,and that the development of industrial clusters can accelerate the growth of regional economy.In our country,from big cities to small towns,they all have their own advantageous industries,and have formed industrial clusters of different scales.This kind of enterprise gathers together in the region,has formed the local comparative advantage,has promoted the local labor force employment,has improved the people's quality of life,has promoted the economic growth.In addition,the existence of industrial clusters is of great significance for enterprises to reduce costs,exchange information,share resource allocation and cooperate with each other.However,due to the different situations in different regions,there are different degrees of differences in internal and external factors of industrial clusters in different regions.In the process of enterprise development,the demand for capital will increase with the expansion of its own scale.Internal financing has been unable to meet the demand.Moreover,Chinese enterprises prefer external financing.Therefore,adequate financial support is necessary for the development of cluster enterprises.This paper chooses Yixing Heqiao Town and Jingjiang Gushan Town manufacturing industry cluster for investigation and research.By investigating the manufacturing industry clusters in Yixing,Heqiao and Jingjiang Gushan towns,it is found that there are some differences in obtaining financial support between the manufacturing industry clusters in Yixing,Heqiao and Jingjiang,Gushan,and that the financing amount in areas with high demand for financial support is relatively small,which is also an important factor hindering the development of local industrial clusters.After obtaining the financing difference,this paper carries on the difference analysis from the macro-economic,industrial and policy levels,and uses OLS method to carry on the regression analysis in the micro-level,to explore the influencing factors and the importance of each factor which caused the difference between the two places.Based on the empirical results,the paper draws the conclusion that the main reason for the difference in financing between the two clusters is that the banks of the two regions have different priorities when lending to the cluster enterprises.For Yixing area,the capital amount of enterprises,net profit rate of enterprises and patents of enterprises are the main and secondary factors that affect the financing of enterprises from banks in turn.In Jingjiang area,capital is also the most important factor,but patent is the secondary factor,and the importance of years and net profit margin is second only to patent.At the same time,private enterprises have some disadvantages in financing,but this phenomenon is not significant in Yixing area.In terms of policy recommendations,it can be summarized as follows: enterprises in both places should attach importance to operation,increase the scale of assets,reduce various costs of enterprises,carry out various businesses,learn from enterprises with advanced technology,and provide technical training for employees to ensure the innovation ability and operational stability of enterprises,and ensure the long-term and stable development of enterprises.In addition,the government should standardize the competition order,vigorously support private enterprises,strengthen the construction of cluster areas,and promote the development of the whole cluster area.Banks need to strengthen information docking between banks and enterprises,optimize financial services,innovate lending methods,and provide more convenience for cluster enterprises. |
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