Tripartite Evolutionary Game and Simulation Analysis of Small and Micro Enterprise Financing under the Reward and Punishment Mechanism of Credit Information Service Platform
At present,small and micro enterprise financing in our country is mainly based on mortgage loans.Under the background of credit economy,how to play the credit value of small and micro enterprises and then repay loans with credit is the key to solve the financing difficulty of small and micro enterprises.This paper constructs a tripartite evolutionary game model of"small and micro enterprise—commercial bank—credit investigation service platform,"analyzes the stability of equilibrium point and the impact of reward and punishment behavior on strategic choice,explores the main path to promote the financing of small and micro enterprises,and provides policy support for stimulating the vitality of private economy.The results show that only by establishing a reasonable reward and punishment mechanism can the credit investigation service platform meet the condition that the sum of rewards and punishments for small and micro enterprises is greater than the loan principal,can the small and micro enterprises obtain efficient financing in the evolutionarily stable market environment.The main suggestions are:to build a unified national credit investigation service platform;to establish a long-term mechanism of joint incentive for keeping faith and joint punishment for breaking faith;and to launch multi-type and distinctive micro-credit loan products.
small and micro enterprisecommercial bankcredit investigation service platformtripartite evolutionary gamesimulation analysis
万方数据
维普
