政府在帮助中小企业获得融资方面的作用:一种进化的游戏建模和模拟方法
Zhu Mei1, Jingjing Zhang1, QiaoMei Zhou2
1School of Management, Jiangsu University, Zhengjiang, Jiangsu Province, China.
PloS one
|December 27, 2024
概括
政府,银行和担保机构之间的合作对于可持续的中小企业 (SME) 融资至关重要. 负责任的行为和质量风险信息是保持低违约率和系统稳定的关键.
科学领域:
- 金融建模金融建模
- 游戏理论的游戏理论.
- 经济系统分析 经济系统分析
背景情况:
- 中小企业 (SMEs) 对于经济增长至关重要,但经常面临融资挑战.
- 现有的金融系统可能会表现出脆弱性,影响中小企业融资的可持续性.
- 金融机构和政府政策之间的相互作用显著塑造了经济格局.
研究的目的:
- 模拟政府,银行和担保机构在中小企业融资中的战略互动.
- 分析这些参与者对金融系统演变的集体影响.
- 确定影响中小企业融资可持续性的关键因素.
主要方法:
- 开发一个战略游戏模式,包括三个核心金融参与者.
- 利用基于动态方程约束的数值模拟.
- 在各种场景下分析最佳平衡状态和系统轨迹.
主要成果:
- 质量风险信息和负责任的行为行为对低违约率至关重要.
- 系统平衡是脆弱的,需要利益相关者之间的战略合作.
- 模拟结果突出了金融系统稳定性中的机构角色的相互联系.
结论:
- 政府,银行和担保机构的合作和认真方法对于稳健的中小企业融资至关重要.
- 建议提供战略政策指导,以提高系统稳定性.
- 该研究强调了机构行动对中小企业融资可持续性的累积影响.
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