Study On The Management Of Credit Risks Of 'Land Financing Warehouse' Of Rural Logistics Finance Under The Pattern Of Evolutionary Game Model

With the rapid development of agricultural economy in China,the rapid rise of various financial organizations in the field of rural economy,combined with the catalysis of industrial integration,the distribution of important economic resources,such as manpower,finance and materials,is embedded in the construction system of various financial models in rural areas.With the development of rural economy as the main service object or agricultural finance as the main financing channel and business scope of rural small and medium-sized enterprises,its important status is increasingly irreplaceable.But China's rural small and medium-sized enterprises in the financing process is faced with a series of problems,such as lack of collateral,low credit and so on.Under this background condition,the rural logistics financial business will come into being.The traditional credit business takes the financial institution and the small and medium-sized enterprise as the main mode of operation,while the logistics financial business takes the relationship as the main mode of operation.This makes the problem of asymmetric information between agricultural financial institutions and rural small and medium-sized enterprises be solved,the related business can be carried out smoothly,and the situation can be realized.At present,China's rural logistics financial business is developing rapidly,it is also worth looking forward to in the future,but it cannot be neglected that it still faces a series of problems in the process of development;Therefore,it is necessary to take scientific measures to measure the risk of rural logistics financial business,on the basis of grasping the crux of the proposed effective prevention and treatment.This task must be completed under the aid of Fitness' s theory and model,so this study introduced the evolutionary game theory model into the rural logistics financial business.The research contents of this paper mainly include the following four aspects:(1)The definition,operation mode and related theory of rural logistics Finance,(2)Theprincipal-agent relationship,basic operation mode and credit risk point of the business participation of rural logistics finance "warehouse";(3)Introducing evolutionary game theory on the basis of bounded rationality hypothesis,At the same time,it establishes the evolutionary game model for the rural logistics finance "to melt Warehouse"business,and clearly shows and deeply analyzes the formation,operation and evolvement mechanism of credit risk;(4)based on the result of evolutionary game analysis,the paper puts forward the management countermeasures of the credit risk of the rural logistics financial "warehouse.Through the above four aspects of research,this study draws the following conclusions: the emergence and development of logistics financial business brings new financing channels and growth opportunities to rural small and medium-sized enterprises and introduces the evolutionary game theory model into the research and governance of rural logistics finance,which can effectively prevent and solve China's rural logistics financial "melting warehouse".Business credit risk issues.