金融科技与中小企业融资的实证分析——基于博弈论的视角

发布时间：2017-12-31 03:06

本文关键词：金融科技与中小企业融资的实证分析——基于博弈论的视角　出处：《技术经济与管理研究》2017年02期 　论文类型：期刊论文

【摘要】：中小企业在国民经济和社会发展中起着至关重要的作用,但传统金融模式并不能有效解决中小企业融资难问题。金融科技背景下,金融模式不断创新,并颠覆了传统的金融模式,P2P和众筹融资模式将成为未来中小企业融资的重要途径。文章采用博弈论的研究方法,对投资方和中小企业之间关于借贷的合作结果进行理论上的推理分析。基于大数据为核心的金融科技创新,在相当程度上化解了投资方与中小企业之间信息不对称问题。根据博弈论分析得出,投资方和中小企业通过互联网平台进行合作的可能性将大幅提高。最后,文章从监管机构、金融科技企业、中小企业三个角度提出政策建议,以期有效解决中小企业融资难题并促进金融科技的健康发展。
[Abstract]:SMEs play a vital role in the national economy and social development, but the traditional financial model can not effectively solve the financing difficulties of SMEs. Under the background of financial science and technology, the financial model is constantly innovating. And overturn the traditional financial model P2P and crowdfunding mode will become an important way of financing SMEs in the future. This paper adopts the research method of game theory. This paper makes a theoretical reasoning analysis on the cooperation results of lending between investors and small and medium-sized enterprises. The innovation of financial science and technology based on big data is the core. According to the game theory analysis, the possibility of cooperation between investors and SMEs through the Internet platform will be greatly increased. Finally. This paper puts forward some policy suggestions from the perspectives of supervision institution, financial technology enterprise and small and medium-sized enterprise, in order to effectively solve the financing problem of small and medium-sized enterprises and promote the healthy development of financial science and technology.
【作者单位】：许昌学院商学院;
【基金】：河南省科技厅软科学资助项目(152400410165) 许昌市科技局软科学资助项目(1505032)
【分类号】：F832.4;F276.3
【正文快照】： 一、引言中小企业融资问题一直是一个全球性的难题,在发展转型国家尤其突出。根据全国工商联的调查数据显示,我国企业总数的90%以上是中小企业,为社会提供了85%的就业岗位,在我国国民经济发展中起着重要作用。但是,超过95%以上的中小企业没有和银行发生过任何借贷关系。据统计

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