Mei Zhu, Zhang Jingjing, Zhou QiaoMei
School of Management, Jiangsu University, Zhengjiang, Jiangsu Province, China.
School of Intellectual Property, Jiangsu University, Zhengjiang, Jiangsu Province, China.
PLoS One. 2024 Dec 27;19(12):e0315941. doi: 10.1371/journal.pone.0315941. eCollection 2024.
This study aims to delineate the operating system of a strategic game model involving three core financial actors-government, banks, and guarantee institutions, with a focus on their collective impact on system evolution towards sustainable SME financing.
Utilizing numerical simulations informed by dynamic equation constraints and optimal equilibrium states, this paper abstracts the strategic behaviors of system constituents, constructing a game model to predict and analyze system evolution within various operational contexts.
The simulation experiments reveal the critical role of quality risk information and responsible actor behavior in maintaining low default rates and fostering a sustainable financial system. System trajectories under various scenarios highlight the fragility of the equilibrium and the necessity of concerted, strategic cooperation among all stakeholders.
Findings underscore the importance of a cooperative, conscientious approach by government, banks, and guarantee institutions to ensure a robust and sustainable SME financing environment. The study advocates for strategic policy guidance, emphasizing the interconnectedness of institutional roles and their cumulative effect on system stability.
本研究旨在描绘一个涉及政府、银行和担保机构这三个核心金融行为主体的战略博弈模型的运行机制，重点关注它们对中小企业可持续融资系统演化的集体影响。
本文利用由动态方程约束和最优均衡状态所指导的数值模拟，抽象出系统组成部分的战略行为，构建一个博弈模型来预测和分析不同运营环境下的系统演化。
模拟实验揭示了质量风险信息和责任行为主体的行为在维持低违约率和促进可持续金融系统方面的关键作用。各种情景下的系统轨迹凸显了均衡的脆弱性以及所有利益相关者协同战略合作的必要性。
研究结果强调了政府、银行和担保机构采取合作、尽责方法以确保稳健和可持续的中小企业融资环境的重要性。该研究倡导战略政策指导，强调机构角色的相互关联性及其对系统稳定性的累积影响。
