Game Study On Pledge Financing Of Account Receivables Of Smes In The Supply Chain Of The Automotive Industry

With the continuous development of China's economy,the number of small and medium-sized enterprises is growing,and the contribution to the economy and employment is becoming increasingly prominent.However,the financing difficulties and high cost have also attracted extensive attention and research from all walks of life.Supply chain financing is a kind of financing mode aiming at the difficulties faced by small and medium-sized enterprises.Due to the characteristics of easy to change,easy to keep,with recourse and short financing time and high efficiency,receivables financing mode has become the most widely used mode in supply chain financing mode.Based on the background of SMEs in the automotive industry developing pledge financing of accounts receivable,this paper analyzes the related issues of SMEs in supply chain pledge financing in the industry using game theory.First,based on the topic,the research background,significance,domestic and foreign research status,research methods and other aspects are introduced;secondly,the theories and methods involved in this article are explained,especially the account receivable financing;then Based on the business background of supply chain pledge financing for receivables,on the basis of full consideration of the actual business process,a traditional model of pledge financing for receivables without core enterprise bill claims and confirmation of credit claims with core enterprises have been established.The supply chain receivables pledge financing has built a complete information dynamic game model,analyzed and studied the utility and action strategies of the participants in each model,and analyzed whether the core of the supply chain receivables pledge financing The impact of corporate and SME joint fraud on the stability and equilibrium of the evolutionary game;Finally,the status of accounts receivable was analyzed for H Technology Co.,Ltd.,which is engaged in the manufacture of auto parts,and the company 's pledge financing for supply chain receivables Feasibility,and carried out numerical simulation of evolutionary game,according to the simulation results The supply chain is recommended to carry out the pledge of accounts receivable financing.