This model can not only promote the internal flow of cluster fund, but also increase the supply of external funds, and it will significantly improve the availability of SME financing. It is another effective way to solve SME financing problems. 该模式既能够促进集群资金的内部流动,又能增加集群资金的外部供给,将显著提高中小企业融资的可获得性,是解决中小企业融资难题的又一有效途径。