信号博弈下P2P网络信贷在科技型小微企业融资模式创新中的应用

发布时间：2018-05-28 20:33

本文选题：信号博弈 + PP网络信贷　；参考：《南昌大学学报(人文社会科学版)》2016年05期

【摘要】：基于信号博弈分析,科技型小微企业在向P2P网络信贷平台提出贷款申请时,P2P网络信贷平台根据科技型小微企业提供的流动资产等财务信息和创新评估等非财务信息来判断其偿债能力和获利能力。研究结果表明:分离均衡状态下科技型小微企业的偿债能力和盈利能力通过信号演化博弈能准确地披露,被界定为最有效的均衡模式。由此,从科技型小微企业视角,应着重完善企业信息披露制度、提高企业转型的治理水平;从P2P网络信贷平台视角,应主要拓展平台业务操作流程、加强平台资金和网络技术管理;从政府视角,应健全行业监管的法律和政策体系、规范平台准入门槛和退出机制、建设平台和企业征信体系、引导企业为科技成果转化而实施战略管理。
[Abstract]:Based on signal game analysis, When applying for loans to P2P network credit platform, small and medium-sized high-tech enterprises can judge their solvency and profitability on the basis of financial information such as current assets and non-financial information such as innovation evaluation provided by small and medium-sized high-tech enterprises. The results show that the debt repayment ability and profitability of small and micro tech enterprises in the state of separation and equilibrium can be accurately disclosed by signal evolution game, which is defined as the most effective equilibrium model. Therefore, from the perspective of science and technology small and micro enterprises, we should focus on perfecting the enterprise information disclosure system and improving the governance level of enterprise transformation, and from the perspective of P2P network credit platform, we should mainly expand the business operation process of the platform. To strengthen the management of platform funds and network technology, from the perspective of the government, we should improve the legal and policy system of industry supervision, standardize the entry threshold and exit mechanism of the platform, and build a platform and enterprise credit system. To guide enterprises to implement strategic management for the transformation of scientific and technological achievements.
【作者单位】：苏州经贸职业技术学院会计与国贸学院;江苏大学财经学院;江西省社会科学院《企业经济》编辑部;
【基金】：国家软科学研究计划项目“服务于技术创新的科技金融耦合机制研究”(2012GXS4D115) 国家自然科学基金面上项目“生物医药产业集群生态位分离网络生成及其演化研究”(71371087) 教育部人文社会科学研究青年基金项目“基于主体利益博弈的技能型人才培养机理、模式与路径研究”(15YJC880013) 江西省社会科学“十二五”规划项目“互联网金融模式P2P:江西实证研究”(15YJ09) 江西省社会科学院理论创新工程课题“江西互联网金融推进策略研究”(14CX103)
【分类号】：F724.6;F832.4;F276.44;F224.32

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