發(fā)布時間：2018-01-10 21:00

  本文關鍵詞：基于企業(yè)生命周期的科技型小微企業(yè)信貸融資機制　出處：《系統工程》2017年01期 　論文類型：期刊論文

  更多相關文章： 科技型小微企業(yè) 信貸融資機制 多階段博弈 生命周期 計算機仿真

【摘要】：本文從科技型小微企業(yè)發(fā)展周期視角,構建科技型小微企業(yè)不同發(fā)展階段的信貸融資機制的多階段演化博弈模型,通過理論分析和計算機仿真分析,探討處于不同發(fā)展階段的科技型小微企業(yè)信貸融資的演化狀態(tài)。研究結果表明:(1)及時還款科技型小微企業(yè)的期望收益同平均收益的差額以及科技型小微企業(yè)由于違約所支付的罰金同違約給銀行帶來的損失之間的差額是影響演化穩(wěn)定策略(ESS)的兩類關鍵因素;(2)當科技型小微企業(yè)及時還款策略的期望收益同平均收益的差額為正值時,科技型小微企業(yè)由于違約所支付的罰金同違約行為給銀行帶來的損失的差額對于科技型小微企業(yè)信貸融資的最終穩(wěn)定狀況的影響較小,不管差額為正值還是負值,科技型小微企業(yè)信貸融資的演化穩(wěn)定策略(ESS)始終為(1,1);(3)在信貸融資契約設計中,提高科技型小微企業(yè)違約成本,使其支付罰金能夠彌補由于違約給商業(yè)銀行帶來的損失,能夠營造良好的信貸融資環(huán)境,從而為更多科技型小微企業(yè)提供資金支持服務。上述研究結論的提出,對處于不同發(fā)展階段的科技型小微企業(yè)的信貸融資及其商業(yè)銀行信貸行為提供理論參考和借鑒,同時也完善和發(fā)展了科技型小微企業(yè)投融資理論。
[Abstract]:In this paper, from the perspective of the development cycle of science and technology small and micro enterprises, the multi-stage evolution game model of credit financing mechanism in different stages of development of science and technology small and micro enterprises is constructed, and through theoretical analysis and computer simulation analysis. This paper discusses the evolution of credit financing of science and technology small and micro enterprises at different stages of development. The difference between the expected return and the average return of the technology-based microenterprise and the difference between the fine paid by the technology-based microenterprise due to the default and the losses caused by the default are the influence of the evolutionary stability strategy. Two kinds of key factors of ESSs; (2) when the difference between the expected return and the average return of the timely repayment strategy is positive. The difference between the fine due to the default and the loss caused by the default has little effect on the final stability of the credit financing. Whether the difference is positive or negative, the evolutionary stabilization strategy of credit financing of small and micro tech enterprises (ESSs) is always the same. 3) in the design of credit financing contract, it is necessary to raise the cost of technical small and micro enterprises' breach of contract, so that they can make up for the losses caused by default to commercial banks and create a good credit financing environment. In order to provide more small and technological enterprises with financial support services. It provides a theoretical reference for the credit financing and commercial bank credit behavior of small and micro enterprises in different stages of development. At the same time, it also perfects and develops the theory of investment and financing of science and technology small and micro enterprises.
【作者單位】： 江蘇大學財經學院;蘇州經貿職業(yè)技術學院會計與國貿學院;
【基金】：國家軟科學研究計劃項目(2012GXS4D115) 國家自然科學基金資助項目(71371087)
【分類號】：F276.3;F832.4
【正文快照】： 1引言科技型小微企業(yè)是指從事高科技、高附加值產品的研發(fā)、加工、銷售、咨詢與服務,對核心技術擁有自主知識產權,營業(yè)收入主要依賴對擁有知識產權實踐轉化后的銷售或服務得一類特殊企業(yè)群體,其在上下游產業(yè)發(fā)展中具有顯著的集群特征。當前科技型小微企業(yè)已成為我國推動經濟結

【相似文獻】

相關期刊論文 前10條

1 李梅;徐文玲;賈利忠;;淺議中小企業(yè)信貸融資[J];內蒙古農業(yè)科技;2005年S2期

2 肖剛松;;關于我國中小企業(yè)信貸融資問題的幾點思考[J];湖北經濟學院學報(人文社會科學版);2006年09期

3 鄧平安;;從信貸供求角度談我國中小企業(yè)融資問題[J];黃石理工學院學報(人文社會科學版);2008年02期

4 張t熈，

本文編號：1406750