Research on Influencing Factors of Corporate Credit and Credit Availability in SME Industrial Cluster

In this study, firms in the enterprise cluster were selected for investigation, focusing on the current situation and demand characteristics of small and medium-sized enterprise clusters, and making descriptive statistics from the scale, use and cost of enterprise loans in small and medium-sized enterprise clusters. Further empirical analysis of the factors affecting the credit availability of small and medium-sized enterprises clusters, through data analysis of the factors affecting the credit availability of small and medium-sized enterprise clusters and the influence mechanism of influence, analyzes the results of the empirical test combined with the actual situation and finally puts forward policy suggestions. The study has the following conclusions: First, small and medium-sized enterprises cluster financing demand is relatively common. Traditional financial institutions such as banks are still the main sources of funds; second, the large capital demand and long-term capital demand of small and medium-sized enterprise clusters have been suppressed. Financial institutions such as banks have always provided relatively small credit lines. The credit cycle is also relatively short and cannot meet the financing needs of the SME cluster; third, SME cluster financing is affected by guarantee institutions, government policies, their own financial status, and bank-enterprise relations. Some factors are the direct effects; some factors are manifested as indirect effects; government policy also has a regulatory effect; fourth, ensuring credit availability to SME clusters can be driven from a number of factors.