Game Theory Analysis of Commercial Banks and Micro-Enterprises Credit in Post - epidemic Era

Tianhua Mao

doi:10.54691/bcpbm.v31i.2661

Authors

Tianhua Mao

DOI:

https://doi.org/10.54691/bcpbm.v31i.2661

Keywords:

Commercial Bank; Micro-Enterprise; Loaning Survey; Game Theory.

Abstract

Micro-Enterprises are an important component of the economy and have made significant contributions to economic development. Especially in the post-epidemic period, the need for national economic growth and the importance of micro-enterprise development is gradually prominent. Micro-Enterprises still face the problem of “financing difficulty”, unable to get enough bank loans. In this paper, from the perspective of game theory, the incomplete information static game between micro-enterprises and commercial banks will be constructed. This paper mainly discusses the pre-loan investigation of commercial banks for micro-enterprises and provides some suggestions for the financing difficulty of micro-enterprises.

Downloads

Download data is not yet available.

References

ChinaIRN, https://www.chinairn.com/scfx/20190716/172610686.shtml, last accessed 2022/7/21.

Donghan, L.: Research on Credit Loans of Small and Micro Enterprises of Commercial Banks in China Based on Game Theory (Master’s dissertation, Tianjin University) (2018).

Jinwei, Z.: Analysis of Credit Game between Commercial Banks and Small and Micro-Enterprises. Special Zone Economy (09), 87-89 (2013).

Miao, W.: Study on the Risk Rate Sharing of Credit Guarantee Loan for Small, Medium and Micro Enterprises--A Two-Party Cooperative Game Model Providing Government Subsidies. Journal of Business Economics (03), 62-68 (2017).

Yu, Z.: An Analysis on the Relations between Small and Micro Enterprises and Bank Credit. Financial Regulation Research (04), 90-102 (2012).

Ren H., Bingyong, L., Jingjing, W.: Relationship between Banks and Enterprises, Institutional Environment and Credit Availability of Small and Medium Enterprises. Financial Research (11), 103-115 (2012).

Xue, W.: Research on Financing of Small and Micro Enterprises Based on Game Theory. Hebei Enterprises (08), 60-61 (2014).

Chengzhong, H.: Macro Analysis of Enterprise Loan Credit Risk of Chinese Commercial Banks Based on Game Theory Model. Modern Business (30), 107-111 (2019).

Cheng, S.: Research on the Credit Game between Commercial Banks and Small and Medium Enterprises. Science & Technology Economy Market (02),80-82 (2022).

Enjun, X., Sujuan, W., Yi, Z.: Development strategy of small and micro business credit business of commercial banks. Journal of Technology Economics 33(01), 92-96 (2014).8. Chengzhong, H.: Macro Analysis of Enterprise Loan Credit Risk of Chinese Commercial Banks Based on Game Theory Model. Modern Business (30), 107-111 (2019).

9. Cheng, S.: Research on the Credit Game between Commercial Banks and Small and Medium Enterprises. Science & Technology Economy Market (02),80-82 (2022).

Enjun, X., Sujuan, W., Yi, Z.: Development Strategy of Small and Micro Business Credit Business of Commercial Banks. Journal of Technology Economics 33(01), 92-96 (2014).