动态博弈下众创平台金融担保的服务对策

发布时间：2018-03-30 02:33

本文选题：金融担保　切入点：众创平台　出处：《企业经济》2017年08期

【摘要】：创新创业型小微企业是我国经济发展的重要组成部分,但融资困难制约了其持续发展。本文在总结国内外学者研究的基础上,分析小微企业融资困难的原因,提出通过众创平台为创新创业小微企业提供金融担保服务,从而缓解小微企业融资困境。在阐述了众创平台的内涵及其可提供的金融服务之后,建立动态博弈模型,分别从高风险企业、低风险企业以及众创平台的角度进行模型的优化求解,并对相关参数及变量的有效范围进行分析,实现均衡分离。最后,从专业化评估水平、监督管理水平、抵押补偿能力、信息获取成本等方面提出应用实践的对策建议,以提高众创平台的金融担保服务能力,实现可持续发展。
[Abstract]:Innovative entrepreneurial small and micro enterprises are an important part of the economic development of our country, but their sustainable development is restricted by the difficulty of financing. This paper analyzes the reasons for the financing difficulties of small and micro enterprises on the basis of summing up the research of domestic and foreign scholars. In order to alleviate the financing dilemma of small and micro enterprises, this paper proposes to provide financial guarantee services for innovative and entrepreneurial small and micro enterprises by means of crowdsource platform. After expounding the connotation of the platform and the financial services it can provide, a dynamic game model is established. From the point of view of high risk enterprise, low risk enterprise and Zhongchuang platform, the model is solved optimally, and the effective range of relevant parameters and variables are analyzed to achieve equilibrium separation. Finally, from the level of specialization evaluation, In order to improve the ability of financial guarantee service and realize the sustainable development, this paper puts forward some countermeasures and suggestions on application practice in the aspects of supervision and management level, mortgage compensation ability, information acquisition cost, and so on.
【作者单位】：武汉理工大学管理学院;
【基金】：湖北省软科学项目“众创时代下湖北省中小企业科技创新金融服务体系的构建、运作与管控研究”(项目编号:2016ADC024)
【分类号】：F224.32;F275;F832.4

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