中小房地产企业多种融资产品的选择决策问题

在民间游资为房地产企业提供越来越多融资产品的背景下，针对中小房地产企业选择多种融资渠道下多种融资产品的选择决策问题，根据成本-服务匹配原则，设计了以综合财务成本最低、社会满意度相对较高为决策目标的中小房地产企业多种融资渠道、多种融资产品的选择决策问题模型，并改进得到了适合该选择决策问题模型的启发式算法.算例仿真结果表明，所设计的模型和算法可以有效地解决中小房地产企业所面临的多渠道、多产品的融资选择决策问题.

Selection-Decision of Multi-financial-production of Small-Medium Real Estate Enterprises

Under the background that folk capital provides more financing product for real estate enterprises, according to the cost-service matched principle, a selection-decision model was established for the following decision goals including the lowest comprehensive financial cost and relative high social satisfaction. At the same time, the heuristic algorithm which was suitable for the selection-decision model was got. The simulation examples showed that the proposed model and algorithm could effectively solve issues faced by small-medium real estate enterprises in relation to the multi-channel financing choices caused by multiple product decision problems.