【摘要】：中小企業(yè)融資難是當(dāng)前我國社會(huì)一個(gè)十分普遍的現(xiàn)象，也是目前的現(xiàn)實(shí)困難問題。中小企業(yè)融資難，鋼貿(mào)企業(yè)融資更難。只有解決這一問題才能保證中小企業(yè)健康有序的發(fā)展。而產(chǎn)業(yè)集群可以讓中小企業(yè)獲得很多特有的優(yōu)勢(shì)，這一點(diǎn)尤其體現(xiàn)在融資方面。產(chǎn)業(yè)集群通常在政府的相關(guān)支持下積極打造融資平臺(tái)，注重同商業(yè)銀行建立良好的合作關(guān)系。與中小企業(yè)的單打獨(dú)斗不同，集群內(nèi)往往具有信息透明度高、信用承諾好、交易成本低廉等特點(diǎn)，這就使得企業(yè)更加容易從商業(yè)銀行得到貸款，并獲得政府的持續(xù)支持。即產(chǎn)業(yè)集群下融資平臺(tái)的建設(shè)有可能有效解決中小企業(yè)融資難的問題，尤其對(duì)融資渠道單一、融資期限短的鋼貿(mào)企業(yè)有效。湖南省在長沙大托建立了鋼鐵物流產(chǎn)業(yè)集群，并依托該產(chǎn)業(yè)集群為解決鋼貿(mào)企業(yè)融資難問題進(jìn)行了多方的嘗試，但是解決湖南中小型鋼貿(mào)企業(yè)融資難問題仍然任重道遠(yuǎn)，在這樣的背景下，基于產(chǎn)業(yè)集群的視角來探討如何解決中小型鋼貿(mào)企業(yè)的融資問題，具有重要的現(xiàn)實(shí)意義。 本文從產(chǎn)業(yè)集群和企業(yè)融資的基礎(chǔ)理論出發(fā)，結(jié)合原有的中小企業(yè)融資難問題，，全面分析了產(chǎn)業(yè)集群下融資問題的形成原因，以及產(chǎn)業(yè)集群下中小企業(yè)融資所存在的問題及其所具有的優(yōu)勢(shì)。結(jié)合鋼鐵貿(mào)易產(chǎn)業(yè)集群這一特殊行業(yè)，通過集群下的湖南A鋼貿(mào)企業(yè)這一具體案例，深入剖析了鋼鐵貿(mào)易產(chǎn)業(yè)集群內(nèi)中小企業(yè)融資的運(yùn)作模式，揭示了在融資實(shí)踐中所存在的許多問題，例如信息不對(duì)稱問題、外部環(huán)境缺陷和內(nèi)部建設(shè)等問題。然后從產(chǎn)業(yè)集群和企業(yè)融資的相關(guān)理論出發(fā)，結(jié)合湖南鋼鐵貿(mào)易產(chǎn)業(yè)集群的發(fā)展現(xiàn)狀，提出了解決湖南A鋼貿(mào)企業(yè)融資問題的意見和建議，這些意見和建議包括大力發(fā)展行業(yè)性擔(dān)保公司，發(fā)揮融資集群效應(yīng)，規(guī)范融資決策的計(jì)劃和實(shí)施等等，這對(duì)解決我國產(chǎn)業(yè)集群下中小企業(yè)的融資問題也具有良好的啟示作用。
[Abstract]:The financing difficulty of small and medium-sized enterprises is a very common phenomenon in our society at present, and it is also a difficult problem in reality at present. Small and medium-sized enterprise financing is difficult, steel trade enterprise financing is more difficult. Only to solve this problem can we ensure the healthy and orderly development of small and medium-sized enterprises. Industrial clusters can give small and medium-sized enterprises a lot of unique advantages, which is especially reflected in financing. Industrial clusters usually actively build financing platform with the support of the government, and focus on establishing good cooperative relationship with commercial banks. Different from the small and medium-sized enterprises, the cluster often has the characteristics of high transparency of information, good credit commitment and low transaction cost, which makes it easier for enterprises to get loans from commercial banks and to obtain sustained support from the government. That is, the construction of financing platform under industrial cluster may effectively solve the problem of financing difficulties for SMEs, especially for steel trade enterprises with single financing channel and short financing period. Hunan Province established the iron and steel logistics industry cluster in Changsha Dato, and relied on the industrial cluster to solve the financing difficulties of steel trade enterprises. However, there is still a long way to go to solve the financing difficulties of small and medium-sized steel trade enterprises in Hunan. Under this background, it is of great practical significance to discuss how to solve the financing problem of medium and small steel trade enterprises based on the perspective of industrial cluster. Based on the basic theory of industrial cluster and enterprise financing, this paper analyzes the forming reasons of financing problem under industrial cluster, combining with the original financing difficulty of small and medium-sized enterprises. And the problems and advantages of SME financing under industrial cluster. Combined with the special industry of iron and steel trade industry cluster, through the concrete case of Hunan A steel trade enterprise under the cluster, this paper deeply analyzes the operation mode of small and medium-sized enterprises financing in the iron and steel trade industry cluster. It reveals many problems in financing practice, such as information asymmetry, external environment defects and internal construction. Then, based on the related theories of industrial cluster and enterprise financing, combined with the present situation of Hunan iron and steel trade industry cluster, the paper puts forward some suggestions and suggestions to solve the financing problem of Hunan A steel trade enterprise. These suggestions include vigorously developing industry guarantee companies, exerting the effect of financing cluster, standardizing the plan and implementation of financing decision, and so on, which has a good enlightening effect to solve the financing problem of small and medium-sized enterprises under the industrial cluster of our country.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F275;F426.3

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