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《Mathematics in Practice and Theory》 2013-17
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Comparative Study of SME Lending Model Based on Evolutionary Game

ZENG Jiang-hong;XIAO Tao;WANG Zhuang-zhi;School of Business,Central South University;  
The dynamic game process between banks and SMEs has been taken as an "imitation learning" progressive system,by inspecting bank loans costs,SMEs repayment costs,and their group identity,using evolutionary game theory to build up SMEs evolutionary game model of mortgage loan and mutual guarantee loan,comparing and analyzing the evolution paths and their corresponding conditions of these two lending models to explore ways in which SMEs' financing problems could be relieved.Results showed us that mortgage loans could not achieve the optimal equilibrium state in real conditions,however,mutual guarantee loans could either enhance the financing capacity of SMEs,or avoid the risks of bank loans,promoting dynamic game processes to the evolution of optimal equilibrium between banks and enterprises,so as to achieve mutual benefit and win-win.
【Fund】: 教育部人文社会科学研究项目“中小企业集合债券信用风险度量及控制研究”(10YJA790011)
【CateGory Index】: F832.4;F276.3;F224.32
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