本文關(guān)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(jī)制　出處：《系統(tǒng)工程》2017年01期 　論文類型：期刊論文

  更多相關(guān)文章： 科技型小微企業(yè) 信貸融資機(jī)制 多階段博弈 生命周期 計(jì)算機(jī)仿真

【摘要】：本文從科技型小微企業(yè)發(fā)展周期視角,構(gòu)建科技型小微企業(yè)不同發(fā)展階段的信貸融資機(jī)制的多階段演化博弈模型,通過(guò)理論分析和計(jì)算機(jī)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(jié)果表明:(1)及時(shí)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(lái)的損失之間的差額是影響演化穩(wěn)定策略(ESS)的兩類關(guān)鍵因素;(2)當(dāng)科技型小微企業(yè)及時(shí)還款策略的期望收益同平均收益的差額為正值時(shí),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(lái)的損失的差額對(duì)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(fù)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(shè)計(jì)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(bǔ)由于違約給商業(yè)銀行帶來(lái)的損失,能夠營(yíng)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(wù)。上述研究結(jié)論的提出,對(duì)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(shí)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(xué)財(cái)經(jīng)學(xué)院;蘇州經(jīng)貿(mào)職業(yè)技術(shù)學(xué)院會(huì)計(jì)與國(guó)貿(mào)學(xué)院;
【基金】：國(guó)家軟科學(xué)研究計(jì)劃項(xiàng)目(2012GXS4D115) 國(guó)家自然科學(xué)基金資助項(xiàng)目(71371087)
【分類號(hào)】：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(chǎn)品的研發(fā)、加工、銷售、咨詢與服務(wù),對(duì)核心技術(shù)擁有自主知識(shí)產(chǎn)權(quán),營(yíng)業(yè)收入主要依賴對(duì)擁有知識(shí)產(chǎn)權(quán)實(shí)踐轉(zhuǎn)化后的銷售或服務(wù)得一類特殊企業(yè)群體,其在上下游產(chǎn)業(yè)發(fā)展中具有顯著的集群特征。當(dāng)前科技型小微企業(yè)已成為我國(guó)推動(dòng)經(jīng)濟(jì)結(jié)

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

2 肖剛松;;關(guān)于我國(guó)中小企業(yè)信貸融資問(wèn)題的幾點(diǎn)思考[J];湖北經(jīng)濟(jì)學(xué)院學(xué)報(bào)(人文社會(huì)科學(xué)版);2006年09期

3 鄧平安;;從信貸供求角度談我國(guó)中小企業(yè)融資問(wèn)題[J];黃石理工學(xué)院學(xué)報(bào)(人文社會(huì)科學(xué)版);2008年02期

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