The Research On Group Lending Based On System Theory

Group lending is a special mode of "micro-credit model”, rapid development of group lendingprovides a good opportunity for the job helping deficient up of our country development and financialresource allocation efficiency. With the development of the agricultural modernization，China is alsoactively pilot and promotion to group lending model as the main body of the micro-credit. Summary ofexisting group lending aspect research, mainly from the successes and failures of these two perspectives:from the different aspects of the reasons for success; from the operating mechanism and environment forthe reason of failure, derive lesson in order to better practice group lending. This article intends to find theother angle to study group lending.The article works at building a group lending composite systems research framework and defining thegroup lending， then analyzing the development group lending co-system. In theory, deepen theunderstanding of the complexity of group lending co-system and enrich the understanding of the co-systemcomposed by group lending, agricultural production and agricultural economy; in practice, the articleguides the group lending; agricultural production and agricultural economy achieve dynamic stabilitythrough adjusting themselves.At first，the article discusses the related theory of group lending and discusses the related systemconcepts and coordination degree analysis method. Then this article selects group lending, agriculturalproduction and agricultural economy to compose co-system and using the improved system coordinationmodel analyze effect of the co-system coordinating degree, on the basis of the study of group lendingco-system stability. Finally, we can get some basic conclusion as follow：1、this paper analyze the group lending co-system，the characteristics of the co-system are integrity,hierarchy, association, adaptability and sequential. Group lending co-system is compound of the systemlevel functions to factor the function as the foundation, divided into microcosmic, medium, andmacroscopic.2、The stability Contains the subsystem of nonlinear composite system of group lending can be researchedby the improved system coordination model. That model not only has the advantages of the tow formermodel, but also amended the shortage of that two model.3、Each subsystem the system development index directly influences the composite system coordination degree. The fourth chapter analysis results show that the more disparity between subsystems ofdevelopment index is, the lower coordination degree is.4、The co-system composed by group lending, agricultural production and agricultural economy has along-term co-integration relationship and achieve dynamic stability in the development.5、The self-organization of group lending, agricultural production and agricultural economy is the majormotive of evolution of the co-system. The objectives of evolution of the co-system are that meeting thefinancial needs of specific object，strengthen cooperation and innovation development pattern.