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中文摘要：
以浙江省委、省政府在2008年至2010年间出台的政策为样本,运用扎根理论研究方法,编码分析发现金融政策在政府政策执行过程中有效改变了企业的金融环境,但是集群的产业结构性问题仍未得到有效改善。以海宁皮革产业为例,作进一步讨论与剖析发现：金融危机爆发后,就产业整体转型而言,在政府政策制定过程中偏重产业结构调整的政策有利于产业集群转型升级;就微观企业发展而言,在主导政策明确基础上的小幅调整,能使政策对路有效,有利于引导企业走出发展困境、实现长期可持续运营。
英文摘要：
Using the Grounded Theory and taking the policies introduced by the Zhejiang provincial party committee and government from 2008 to 2010 as examples, this paper illustrates that the enforcement of financial policies has effectively changed the financial environment for SMEs, though the structural problem of industrial clusters still remains. By careful case studies of the leather industry in Haining, this paper reveals that after the occurrence of the financial crisis, the policies that cater for structural change benefited the upgrade of the industry in terms of the overall transformation of industry, and for the development of SMEs, slight change on the basis of the dominant policy makes them effective and helps guide the enterprises out of development difficulties, and ensures long-term sustainable operations.
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