CAJ | 학술논문

金融业为县域产业集群的升级与持续发展提供重要的资金支持。文章运用产业集聚外部效应理论，分析了县域产业集群企业金融需求的层次、内容、特点以及产业集聚对集群内中小企业融资的影响，指出金融业应针对集群企业外部集聚效应的金融需求特点，构建适合县域经济发展特点的以商业性中小金融机构为主、政策性金融机构为辅的金融组织框架，以推动县域经济快速发展。
금융업위현역산업집군적승급여지속발전제공중요적자금지지。문장운용산업집취외부효응이론，분석료현역산업집군기업금융수구적층차、내용、특점이급산업집취대집군내중소기업융자적영향，지출금융업응침대집군기업외부집취효응적금융수구특점，구건괄합현역경제발전특점적이상업성중소금융궤구위주、정책성금융궤구위보적금융조직광가，이추동현역경제쾌속발전。
Financial services provide important funds suport to the upgrading and sustamable devetopment of county industrial cluster. Using the externality theory of industrial agglomeration, this paper analyses the levels, content and features of the financial demands of county industrial cluster enterprises, as well as the influnce of industrial agglomeration to SME financing within the cluster. Then it points out that according to the characteristics of financial demands of cluster enterprises ＇ external clustering effect to construct financial orgnization system with focusing on commercial-small-medium enterprises with policy financial institution to promote county economy.