Researeh On Evolutionary Game Between Comercial Banks And Small And Micro Enterprises In The Supply Chain Financing

In recent years,the SMEs in our country is develpoing very fast,which gives the commercial banks new ideas about the strategic transformation.Nevertheless,the contradictions of the credit relationship between the two sides have deepen.On the one hand,faced with the fierce competition,the commercial Banks are eager to expand business with the SMEs. On the other hand,the loan risk of the SMEsmakes the Banks become timid. How to realize the win-win situation of the Banks and the small and micro enterprises has become a major issue faced by the current credit market.Supply chain financing offers a new way for this important issue: it brokes the past mode of thinking the enterprise’s credit statically and takes the suppliers, manufacturers, sellers as a whole.By using the credit capacity of the core enterprise,it releases the contradiction of information asymmetry between commercial banks and SMEs. Therefore,the birth of the supply chain financing not only helps the SMEs relief the financing dilemma, but also for help the comerical banks opens a new business space.Based on this, the paper clarifies the definition of SMEs and their different credit characteristics, summarizing the current financing situation of SMEs and the big three "problem" loans fece by the banks: the difficulty of gathering information, risking control and cost control.In this case, the paper elicits the conception of “1 + N”suppy hain financing.By introducing the main mode,the paper elaborates the basic principle of the supply chain mode for solving the problem.Intents to show the mode more intuitive,the paper also makes a case analysis.Afterwards, this paper establishes a game model to explicate the evolution mechanism of the banks and SMEs, it is concluded that if the punishment of the SMEs is higher than the principal and interest, the bank will gradually turn to the supply chain mode from traditional mode and the repayment capacity of the SMEs will strengthen, and then prove that the supply chain financing does promote the evolution to a better way. Finally, the paper explores how to improve the banks’ credit strategy under the supply chain financing mode.