Abstract
The effective use of social funds is an important guarantee for the benign development of the economy. The shortage of funds faced by the development of small and medium-sized enterprises (SMEs) and a lot of social capital sits idle are still one of the major contradictions that need to be resolved urgently. And the main source of funds for China’s real economy is still loans from commercial Banks. Through the analysis of the loan game between Banks and enterprises in the target economic environment we can find the crux of the problem. Which mainly lies in the market for enterprise information management demand and Market-based interest rate management to reduce market transaction costs and other regulatory construction issues. Therefore, in order to improve market transparency and reduce bank and corporate loan risks, the government and banks should make corresponding system management reforms in credit evaluation and classification and block management.
Highlights
The rise of emerging enterprises is one of the important ways to promote the efficient and rapid development of the social economy, which can stimulate the potential of society's potential for innovation, stabilize the social economy, and promote the adjustment of the economic structure
The small and medium-sized enterprises (SMEs) guarantee system is not perfect, and credit and strength are difficult to meet the requirements of large credit (Tiyun Xia, 2017)[1], The supply of funds is low, and China's financing guarantee business is unsustainable in the face of the new market situation (Wen Xuezhou 2019)[2] Policy financing guarantees have become the backbone of the financing guarantee system, but the governance system is imperfect (Feng Beilin, 2020)[3]
The dynamic evolution of the credit game between the bank and the enterprise is represented by a differential dl dw equation composed of and .According to the dt dt evolutionary stability, a stable state must be able to be stable to small disturbances, which can be used as the system's evolutionarily stable strategy (ESS) .The dynamic equations of the system can be obtained from the replicator dynamic equations of the above bank and corporate financing ìïF ï (l dl dt ï= l(1- l){w[Y
Summary
The rise of emerging enterprises is one of the important ways to promote the efficient and rapid development of the social economy, which can stimulate the potential of society's potential for innovation, stabilize the social economy, and promote the adjustment of the economic structure. In order to comprehensively and scientifically evaluate the development and effectiveness of financial services for small and micro enterprises in commercial banks, to better play the role of regulatory incentives and guidance, and further improve the quality and efficiency of small and micro enterprises in commercial banks, in order to better solve these contradictions and problems, we need to make a systematic study of this to effectively promote the smooth progress of related work
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