小微企业信贷融资问题政策仿真研究——基于银企演化博弈视角  

Research on policy simulation for financing problem of small and micro enterprise——based on the perspective of evolutionary game of bank-enterprise

作　　者：黄阳[1] 赵秀芳[1] 王永乐[1] 

机构地区：[1]绍兴文理学院经济与管理学院

出　　处：《财会通讯（中）》2015年第3期12-15,129,共4页Communication of Finance and Accounting

基　　金：浙江省高校重大人文社科课题(项目编号:2013QN060);浙江省哲学社会科学规划课题(项目编号:14NDJ C074YB);浙江省自然科学基金课题(项目编号:LQ13G020007)阶段性研究成果

摘　　要：小微企业融资问题政策建议的有效性检验,是各利益方更为关切的问题。本文从演化博弈的视角出发,借助数据仿真分析不同政策变量对银企博弈策略的影响,有效达到了此目的。结果表明,降低小微企业诚信成本和银行审查成本,增加违信惩罚力度,建立小微企业信贷风险补偿基金等一揽子政策可以有效促进小微企业信贷融资的良性循环。Testing the effectiveness of policy suggestions on small and micro enterprises financing problems is more focused on by interested parties. In order to do this, this paper analyzes different policy's influence on the game strategy by data simulation from the perspective of evolutionary game theory. Policy simulation shows that a package of policies including reducing integrity cost of small and micro enterprises and examination cost of banks, increasing punishments for dishonesty, and establishing credit risk compensation fund for small and micro businesses can effectively promote the virtuous cycle of small and micro enterprises credit financing.

关 键 词：信贷融资 演化博弈 SD仿真模型 政策仿真 

分 类 号：F276.3[经济管理—企业管理] F832.4[经济管理—国民经济]