Based On The Perspective Of Evolutionary Game Lending To Small And Medium-sized Enterprises Financing

A country’s economy cannot leave the development of small and medium-sized enterprises.Small and medium-sized enterprises(smes)in a stable economy,promoting employment and tax increases,etc are made an important contribution.But,because of information asymmetry,small and medium-sized enterprises,the less financing ways,financing efficiency is low,thereby increasing the enterprise’s financing costs,make the enterprise is facing serious financing difficulties,financing your problem.Current "The loan" financing is still the main financing channels.but there are serious about small and medium-sized enterprises lend problem.Based on this point,the research in JieDaiXing financing,the lending institutions to the financing enterprises how to through the game makes finally achieve stable strategy,and improve the financing efficiency.According to the characteristics of the subject,in the process of analysis,specification analysis,model analysis and comparative analysis with the combination of research methods.First the feasibility analysis of the current small and medium-sized enterprise financing channel and financing the status quo.Then through static and dynamic analysis,secured and unsecured.participate in information sharing and not participate in the contrast of information sharing game model,analysis of the current interest rates in the way of lending to small and medium-sized enterprises financing,financing amount,collateral,and several parameters on the lender project income and the influence of the financing enterprise in the process of equilibrium solutioin.Finally draw the conclusion:borrowing institutions and payoff matrix and the initial condition of the enterprise financing has important influence on the result of the game both sides of the long-term equilibrium.Then by lending institutions and whether financing companies involved in the evolution of the information symmetry reputation model,analyzed the influence of the information asymmetry problem for small and medium-sized enterprise financing,it is concludecd that the information asymmetry problem seriously hinder the probability of cooperation,to participate in information sharing organizations have a great effect to improve the efficiency of cooperation,and small and medium-sized enterprise reputation can make up for a lack of the mortgaged property to a certain extent.Therefore aimed at the influence parameters proposed rates tend to increase the small and medium-sized enterprise financing,increase the intensity of tax incentives,improve the credit guarantee system,perfecting Suggestions on small and medium-sized enterprise credit reprorting system,and attaches great importance to the cultivation of small and medium-sized enterprise credit value policy Suggestions.