基于自组织理论的中小企业团体融资模式研究

Research on Group Financing Model of Small and Medium- sized Enterprises based on Self- organization Theory

本文引入集合信用资产为序参量,运用自组织理论建立模型,对团体融资模式的演化进行研究。团体融资模式作为一种动态组织系统,具有自我演化、从无序走向有序、从低级走向高级的内在趋势;集合信用资产在团体融资模式演进过程中是主导因素和根本推动力;团体融资的组织形式能够提高中小企业融资能力、降低融资风险,解决中小企业融资难问题要充分利用团体融资模式的组织平台,培育系统内企业的协同发展,提高集合信用资产的整合水平。

This paper uses self- organization theory in system science to establish model,and introduces the collective credit assets as the order parameter to explain the evolution of group financing model. As a kind of dynamic organizational system,the group financing model has self- evolution,from disorder to order,from lower to higher level. The collection of credit assets is the dominant factor and the fundamental driving force in the process of the evolution of the group financing mode; the organization form of group financing can improve the financing ability of small and medium- sized enterprises,and reduce financing risk. To solve the problem of financing difficulties of small and medium- sized enterprises,we need to make full use of the organizational platform of the group financing mode,to cultivate the cooperative development of enterprises in the system,and to improve the level of integration of the collection of credit assets.