Research on Financing of Small and Micro Enterprises in Postepidemic Period: Based on Evolutionary Game and Numerical Simulation

被引:3
作者
Xu, Yun [1 ]
Liu, Quan [2 ]
机构
[1] Ningbo Univ Finance & Econ, Ningbo 315175, Peoples R China
[2] Agr Bank China, Ningbo Branch, Ningbo 315000, Peoples R China
关键词
Compensation mechanism - Evolutionary game theory - Evolutionary games - Interest rates - Micro-enterprises - Preferential policies;
D O I
10.1155/2021/4796485
中图分类号
T [工业技术];
学科分类号
08 ;
摘要
Small and microenterprises are most affected during the COVID-19 epidemic period. Despite the government introducing many preferential policies, financing for small and microenterprises is still difficult. Based on evolutionary game theory and Matlab r2017b software, this paper discusses the causes of financing problems from two aspects. By taking loan amount, loan interest rate, guarantee value, and intermediary business income as variables, the research shows that banks not only pay attention to the comprehensive return of small and microenterprises but also pay more attention to the coverage of loan principal and interest by the value of collateral. Relying on collateral for credit is still the main way, and the lack of collateral causes financing difficulties of small and microenterprises. Accordingly, this paper puts forward the countermeasures and suggestions to improve the guarantee compensation mechanism and innovate the financing mode.
引用
收藏
页数:7
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