Research Of The Small And Medium-sized Enterprises Bank Loans Based On The Dynamic Game Model

With the sustained and rapid development of Chinese economy,in the process of development,the healthy development of small and medium-sized enterprises plays an important role in solving the problem of employment demand,increasing industry competition,promoting scientific and technological innovation,promoting social development and so on.Small and medium-sized enterprises are under a large number,involve a wide range of industries,operate flexibly and contribute a lot to Chinese economic development.The government places great importance on and has been attempting to promote the development of small and medium-sized enterprises.In recent years,China has introduced a lot of policies and measures to help in the economic development of small and medium-sized enterprises.However,due to various problems such as nonstandard finance,an imperfect guarantee system,high financing cost and asymmetric information,small and medium-sized enterprises are still facing financing problems.Pingyin County is characterised by small and medium-sized enterprises.The healthy development of small and medium-sized enterprises plays a key role in the healthy economic development of Pingyin County,which is of huge significance.In Pingyin County,the main way of financing is commercial banks,so it is very urgent to solve the financing problem of small and medium-sized enterprises through banking institutions.Owing to the asymmetric information between small and medium-sized enterprises and banks,banks are at a disadvantage in the process of a dynamic game between small and medium-sized enterprises.Most banks choose strict screening and raise the threshold in front of the financing of small and medium-sized enterprises,which result in the financing difficulty of small and medium-sized enterprises.Taking the bank financing of small and medium-sized enterprises in Pingyin County as an example,this paper collects the relevant credit data of local commercial banks,arranges statistics,and makes an on-the-spot investigation on the financing situation of small and medium-sized enterprises by visiting them,and analyzes the financing situation and problems of small and medium-sized enterprises in Pingyin County by using quantitative and qualitative methods.By introducing the dynamic game model,this paper establishes the dynamic game model for the bank financing of small and medium-sized enterprises in Pingyin County,establishes the replicator dynamics equation for the bank loans replication of small and medium-sized enterprises,and verifies the current situation of the financing difficulty of small and medium-sized enterprises with the help of the model.Depending on the results of game analysis,this paper uses the internal credit data of a commercial bank in Pingyin County,and uses multiple linear regression to analyze the relevant variables that affect the financing of small and medium-sized enterprises.The results show that bank loan income,bank investigation and management cost,small and medium-sized enterprise operating cost and the income of small and medium-sized enterprise default will affect the financing of small and medium-sized enterprises,among which bank loan income has the most impact.On the basis of theoretical analysis and empirical analysis,this paper puts forward countermeasures to solve the financing difficulties of small and medium-sized enterprises,through the joint efforts of enterprises,banks and governments to solve the financing difficulties of small and medium-sized enterprises,and promote the healthy and rapid development of banks and small and medium-sized enterprises.