Abstract
Technological SMEs face a complex financing environment, and making full use of financial technology to achieve a dynamic equilibrium of bank-enterprise cooperation in a bank-oriented economic climate is the key to optimizing the financing environment of technological SMEs and the risk supervision system of banks. Given this, this paper constructs an evolutionary game model from two dimensions: whether banks use textual messages to monitor the dynamic credit risk of technological SMEs and whether technological SMEs whitewash textual messages, and finds evolutionary stabilization strategies for both sides. The results show that the two stable evolutionary paths are significantly influenced by factors such as initial value and exposure rate of text messages. Commercial banks should implement a dynamic supervisory approach, balance risk supervision, and innovation, play the role of public opinion supervision, and strive to create a win-win situation for both banks and enterprises.
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