基于EVCC的基于技术的中小企业和银行之间的知识产权抵押融资的进化游戏模式
Li-Na Dong1,2, Mu Zhang1,2
1School of Applied Economics, Guizhou University of Finance and Economics, Guiyang, China.
PloS one
|September 5, 2025
概括
这项研究通过分析基于技术的中小企业的业绩愿望来加强知识产权质押融资. 期末价值转换系数 (EVCC) 影响战略选择,对于中小企业和银行来说,激励和处罚都是至关重要的.
科学领域:
- 金融经济学
- 游戏理论
- 知识产权管理
背景情况:
- 对于技术型中小企业来说,知识产权 (IP) 担保融资至关重要.
- 在IP融资方面,市场效率需要了解中小企业的业绩意愿.
- 现有的模型缺乏对知识产权承诺融资动态的全面游戏理论方法.
研究的目的:
- 提高知识产权承诺融资的市场效率.
- 模拟基于技术的中小企业与银行之间的战略互动.
- 分析期末价值转换系数 (EVCC) 对融资战略的影响.
主要方法:
- 定义了承诺的IP的期末价值转换系数 (EVCC).
- 建立一个基于有限理性的进化游戏模型.
- 使用数值模拟来分析异常稳定性和战略动态.
主要成果:
- 在某些条件下, (业绩,贷款) 战略组合是进化稳定性战略 (ESS).
- EVCC对中小企业采用绩效战略的速度产生了积极影响 (门为0.90).
- 值得信赖的共同激励和不诚实的共同惩罚对双方的战略选择产生了积极的值效应.
结论:
- 技术型中小企业在知识产权承诺融资中的战略决策受到EVCC的重要影响.
- 激励和惩罚机制对于优化中小企业和银行的融资策略至关重要.
- 该研究为知识产权承诺融资提供了有价值的决策框架.
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