区块链应用于统一授信存货质押融资业务的博弈分析  

Game Analysis of Blockchain Application in Unified Credit InventoryPledge Financing Business

作　　者：李坤蕊 郭敏[1] LI Kunrui;GUO Min(School of Economics and Management,North University of China,Taiyuan 030051,China)

机构地区：[1]中北大学经济与管理学院,太原030051

出　　处：《河南科学》2023年第7期1083-1092,共10页Henan Science

基　　金：山西省哲学社会科学规划课题(2021JY0055)。

摘　　要：以供应链金融中的统一授信存货质押融资业务为研究对象,采用演化博弈工具构建区块链技术使用前后物流企业与融资企业的演化博弈模型,并考虑融资企业欺诈抵押行为对演化的影响,通过对比区块链技术使用前后系统的稳定策略变化,分析区块链技术赋能物流企业与融资企业达成理想稳定策略的作用机制,最后利用MATLAB仿真加以验证与分析.研究发现,融资企业的欺诈抵押行为对其最终能否守约起决定性作用,区块链技术带来守信收益、违约成本、隐瞒成本以及协同激励收益的提高在促进博弈策略演化为(提供贷款,守约)理想稳定状态中起到了关键作用,同时这些因素的提高进一步缩短了博弈主体演化的决策时间,据此提出推进实施区块链技术等政策建议.Taking the unified credit inventory pledge financing business in supply chain finance as the research object,evolutionary game tools are used to build an evolutionary game model between logistics enterprises and financing enterprises before and after the use of blockchain technology,and the influence of fraudulent mortgage behavior of financing enterprises on evolution is considered.By comparing the changes of the system’s stable strategy before and after the use of blockchain technology,the mechanism of enabling logistics enterprises and financing enterprises to achieve the ideal stability strategy by blockchain technology.Finally,MATLAB simulation is used to verify and analyze.It is found that the fraudulent mortgage behavior of financing enterprises plays a decisive role in whether the financing enterprises can keep their promises in the end.The blockchain technology brings the improvement of the income of keeping good faith,the cost of default,the cost of concealment and the income of collaborative incentive,which plays a key role in promoting the evolution of the game strategy into the ideal stable state(providing loans,keeping promises).At the same time,the improvement of these factors has further shortens the decision-making time of the evolution of the game players.Based on this,policy suggestions such as promoting the implementation of blockchain technology are put forward.

关 键 词：区块链 供应链金融 统一授信 演化博弈 

分 类 号：F832.4[经济管理—金融学]