Abstract: Small and micro businesses are an important sector of China’s national economy and the main undertaker of social employment, but they are obsessively troubled by the financing problem. Industrial clusters have significant advantages in reducing the information asymmetry between banks and enterprises, making up the defects of small and micro businesses, and recovering those institutional defects of the single financial structure in the developing countries, etc.. Through establishing the supply chain financial system for the small and micro business clusters, introducing the Internet Finance and making use of the relational financing, the financing advantages of industrial clusters can be given full play, so as to effectively solve the financing problems of the small and micro businesses.

Key words: small and micro businesses; financing problem; industrial cluster; supply chain