چكيده به لاتين
One of the important areas in the development of technology-based economy in any country is the financing and credit system of technology companies and knowledge-based in that country. The credit system consists of various loops that in the period of growth of an idea to reach the market, provides various tools and facilities to technology-based economic actors. When one of the financing and credit loops fails, the pressure is applied to the other loops or the work is performed part-time and incompletely. If we want to mention the two main problems of the credit system of the country technology companies in the current situation, we can point to the weakness of the support system (grant) for entrepreneurs and technology companies and the low creditworthiness of these companies and liquidity of financial documents. The weakness of the grant system in the country, which has increased especially in recent years and with the lack of government resources, is one of the missing links in the credit system of the country technologists. Among these, the role of financial and credit institutions and institutions, including banks as intermediary institutions in providing such facilities and credits will be very important that change in their approach and operating pattern is one of the most important needs of the country. However, during the studies, it can be boldly stated that not much scientific research has been done on the financing of such companies, so a model should be designed in the country with a focus on the banking system so that the problems of financing companies can be used through it. Resolved technology. In this study, researchers tried to streamline the process of lending in the Iranian banking industry using a multi-method system model including the Viable Systems Model (VSM), the Intransitive Interpretive Hybrid Approach (SSM) and the Critical Innovative Systems (CSH). And work-based analysis methodology (WCA) to reorganize and improve the credit network of technology companies with a supply chain financing approach. The method used in this study consists of three steps, a) system identification (via WCA methodology), b) system detection (through a holistic interpretive meta-combination approach) and c) information flow control, communication channels and recurring errors (by system model). Of Viable model). In this study, 37 credit experts from 17 different branches of the bank were interviewed about the process of granting facilities and providing credit. Due to the small statistical population, all subjects were selected as a purposeful statistical sample and in order to investigate the research objectives, the Delphi method was used using Spss23 software. Finally, after the interviews and brainstorming sessions, the submitted questionnaires were re-examined and completed, and finally the financing implications of the banking system supply chain were identified. The results showed that the structure of Iran credit chain network suffers from complications such as structural corruption of the banking system and lack of administrative health, deviation in the correct use of allocated credit resources, high administrative bureaucracy, mandatory facilities, inefficiency of government regulatory institutions and so on. In the present study, the shortcomings of using each model in the modeling phase of the problem have been eliminated and by creating synergies, better modeling has been done in order to make strategic decisions to reduce financial problems and increase the country's economic development. And the shortcomings of the supply chain network need to be redesigned and improved, so that the organization has more power to move towards survival.
