源头数据治理视角下中小企业信贷三方主体博弈分析  

Game Analysis of the Three Main Parties of SME Credit from the Perspective of Source Data Governance

作　　者：王艳萍 赵华伟[1] WANG Yanping;ZHAO Huawei

机构地区：[1]齐鲁工业大学经济与管理学部金融学院,山东济南250100

出　　处：《吉林金融研究》2022年第11期10-14,19,共6页Journal of Jilin Financial Research

摘　　要：在数字社会,数据的重要性日益凸显,因此加强数据治理,使其能够反映社会经济的真实运转情况,实现现实社会与数字社会的同构,已经成为迫切需要解决的问题。在信贷市场中,反映中小企业真实运行状态的数据是金融机构对其进行精准画像的基础,然而在该领域却频频出现企业与金融机构人员之间合谋、金融机构人员不作为所导致源头数据治理问题,严重影响了信贷市场的正常运转。本文基于源头数据治理的视角,面向信贷市场构建了中小企业、信贷审批员以及监管人员三方演化博弈模型,重点分析了三方在选择各策略时的稳定性条件,并为达到最优策略即完善信贷市场中的源头数据治理提出对策与建议。In the digital society,the importance of data is becoming increasingly prominent,so it has become an urgent problem to strengthen data governance so that it can reflect the real operation of the social economy and realise the isomorphism of the real society and the digital society.In the credit market,data reflecting the real operation status of small and medium-sized enterprises is the basis for financial institutions to accurately depict them.However,in this field,there are frequent problems of source data governance caused by collusion between the personnel of enterprises and financial institutions and the inaction of financial institutions,which seriously affects the normal operation of the credit market.Based on the perspective of source data governance,this paper builds a tripartite evolution game model for small and medium-sized enterprises,credit approvers and regulators for the credit market,focuses on analyzing the strategic stability conditions of the three when choosing various strategies,and puts forward countermeasures and suggestions to achieve the optimal strategy,that is,to improve the source data governance in the credit market.

关 键 词：源头数据治理 监管 信贷审批 

分 类 号：F830[经济管理—金融学]