文档介绍：产业集群与小额贷款公司配套发展路径
问题研究
贾泰峰1 作者简介:贾泰峰(1976-),男,山东泰安人,供职于中国人民银行泰安市中心支行,会计师。
(中国人民银行泰安市中心支行,山东泰安 277102)
摘要:山东省泰山钢材大市场的少数资金富余企业通过建立小额贷款公司,继承原有的资金互助传统,实现了非正规金融向正规金融的转化,并以更高的效率缓解了产业集群内中小企业融资难问题,实现小贷公司与产业集群的共生发展。对该案例的分析表明,内生于产业集群的小额贷款公司,在控制交易成本和风险上具有先天优势,对小额贷款公司可持续发展路径具有一定借鉴意义。
关键词:产业集群;内生配套;小额贷款公司
Abstract:A small number of enterprises of Taishan Steel Market Industry Cluster used their idle funds establish small panies,to achieve the transformation from industrial capital to financial capital. As the former capital mutual aid's self-supporting capacity,the small pany transformed the original non-formal financial institutions into formal financial institution,effectively alleviated the financing difficulties of SMEs within industrial cluster,and achieved symbiotic development between small panies and industrial clusters. This case shows that in internalized market and with self-supporting characteristics,small panies which are established within industrial clusters,have inherent advantages in controlling transaction costs and risk,and provide references for small pany development.
Key Words:industry cluster,self-supporting,small panies
中图分类号:F830 文献标识码:A 文章编号:1674-2265(2012)06-0028-05
一、引言
当前,产业集群内普遍存在少数骨干企业资金富余与多数小微企业资金短缺共存的现象。与此同时,一些外生性小额贷款公司也因处于市场探索期导致经营效益较差。山东省泰山钢材大市场则通过以骨干企业富余资金建立小额贷款公司,并将大部分资金返投市场内部小微企业的方式,将外部市场内部化,低成本、低风险地实现了产业集群与小额贷款公司的共赢发展,这一依托产业集群的内生性结果为小额贷款公司的成