菏泽市中小服装企业集群融资问题研究以花都服装城为例
目 录
一、前言..........................................................1
（一）研究背景和意义...........................................1
（二）国内外研究现状...........................................1
(三）文献评述.................................................2
（四）论文创新点...............................................2
二、 菏泽市中小服装企业集群融资的现状考察 .........................3
（一）菏泽市中小服装企业集群融资的优势.........................3
（二）菏泽市中小服装企业集群发展的现状.........................3 （三）菏泽市中小服装企业集群融资的发展现状.....................3
三、 菏泽市花都服装城集群融资存在的问题分析........................4
（一）集群内自身建设的缺乏，创新能力差.........................4 （二）政府对群内企业过多的行政干预.............................4
（三）金融服务机构发展落后,融资环境较差........................5
四、推动菏泽市花都服装城集群融资发展的对策建议.....................5
（一）服装城企业不断加强自身建设，建立创新机制...................5
（二）政府不断转变传统观念，完善行政支持与协调..................6
（三）建立专门服务于中小企业集群的金融机构......................6
五、 结论.................
*好棒文|www.hbsrm.com +Q: 3 5 1 9 1 6 0 7 2
.........5
（一）服装城企业不断加强自身建设，建立创新机制...................5
（二）政府不断转变传统观念，完善行政支持与协调..................6
（三）建立专门服务于中小企业集群的金融机构......................6
五、 结论...........................................................6参考文献...........................................................7致谢...............................................................8
摘 要
中小企业在经济发展中的作用越来越大，成为经济发展的主力军。不仅如此，中小企业促进了经济增长，增加了就业，带动了科技创新，稳定了社会秩序，在我国经济社会发展的地位不断突出。但是中小企业在发展中却不断遭遇融资难的问题，近年来，集群融资这一创新的融资方式从兴起就表现出了巨大的融资优势，引起了社会各界高度关注和重视，各地区中小企业纷纷开始集群进行融资，但是，集群企业的融资现状仍不容乐观。本文首先对菏泽市中小服装企业集群及集群融资的现状进行了分析，并以菏泽市花都服装城为例对其存在的问题及成因进行深入剖析，最后从企业、政府、金融机构等方面提出了推动该市服装城集群融资发展的建设性意见。
关键词：菏泽市；中小服装企业；花都服装城；集群融资
Abstract
Small and medium-sized enterprises play a more and more important role in economic development and become the main force of economic development.Not only that, SMEs promote employment through economic growth, promote scientific and technological innovation, stabilize social order, and continue to highlight the status of economic and social development in china.However, small and medium-sized enterprises are confronted with the problem of financing difficulties in their development,n recent years, cluster financing, as an innovative financing method, has shown great advantages in financing since its rise. It has aroused great concern and attention from all walks of life,Small and medium-sized enterprises in various regions have begun to cluster for financing,However, the financing status of cluster enterprises is still not optimistic.This paper first analyzes the Heze small and medium-sized garment enterprises cluster and the current situation of financing, and to the city of Heze Huadu clothing city as an example to analyze the existing problems and causes, finally from the aspects of enterprise, government and financial institutions to put forward the views of Cit
一、前言..........................................................1
（一）研究背景和意义...........................................1
（二）国内外研究现状...........................................1
(三）文献评述.................................................2
（四）论文创新点...............................................2
二、 菏泽市中小服装企业集群融资的现状考察 .........................3
（一）菏泽市中小服装企业集群融资的优势.........................3
（二）菏泽市中小服装企业集群发展的现状.........................3 （三）菏泽市中小服装企业集群融资的发展现状.....................3
三、 菏泽市花都服装城集群融资存在的问题分析........................4
（一）集群内自身建设的缺乏，创新能力差.........................4 （二）政府对群内企业过多的行政干预.............................4
（三）金融服务机构发展落后,融资环境较差........................5
四、推动菏泽市花都服装城集群融资发展的对策建议.....................5
（一）服装城企业不断加强自身建设，建立创新机制...................5
（二）政府不断转变传统观念，完善行政支持与协调..................6
（三）建立专门服务于中小企业集群的金融机构......................6
五、 结论.................
*好棒文|www.hbsrm.com +Q: 3 5 1 9 1 6 0 7 2
.........5
（一）服装城企业不断加强自身建设，建立创新机制...................5
（二）政府不断转变传统观念，完善行政支持与协调..................6
（三）建立专门服务于中小企业集群的金融机构......................6
五、 结论...........................................................6参考文献...........................................................7致谢...............................................................8
摘 要
中小企业在经济发展中的作用越来越大，成为经济发展的主力军。不仅如此，中小企业促进了经济增长，增加了就业，带动了科技创新，稳定了社会秩序，在我国经济社会发展的地位不断突出。但是中小企业在发展中却不断遭遇融资难的问题，近年来，集群融资这一创新的融资方式从兴起就表现出了巨大的融资优势，引起了社会各界高度关注和重视，各地区中小企业纷纷开始集群进行融资，但是，集群企业的融资现状仍不容乐观。本文首先对菏泽市中小服装企业集群及集群融资的现状进行了分析，并以菏泽市花都服装城为例对其存在的问题及成因进行深入剖析，最后从企业、政府、金融机构等方面提出了推动该市服装城集群融资发展的建设性意见。
关键词：菏泽市；中小服装企业；花都服装城；集群融资
Abstract
Small and medium-sized enterprises play a more and more important role in economic development and become the main force of economic development.Not only that, SMEs promote employment through economic growth, promote scientific and technological innovation, stabilize social order, and continue to highlight the status of economic and social development in china.However, small and medium-sized enterprises are confronted with the problem of financing difficulties in their development,n recent years, cluster financing, as an innovative financing method, has shown great advantages in financing since its rise. It has aroused great concern and attention from all walks of life,Small and medium-sized enterprises in various regions have begun to cluster for financing,However, the financing status of cluster enterprises is still not optimistic.This paper first analyzes the Heze small and medium-sized garment enterprises cluster and the current situation of financing, and to the city of Heze Huadu clothing city as an example to analyze the existing problems and causes, finally from the aspects of enterprise, government and financial institutions to put forward the views of Cit
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