E3S Web Conf.
Volume 253, 20212021 International Conference on Environmental and Engineering Management (EEM 2021)
|Number of page(s)||6|
|Section||Big Data Environment Management Application and Industry Research|
|Published online||06 May 2021|
Game Analysis on the Difficulties of Small and Medium-sized Enterprises' Credit Financing in the Big Data Era
1 School of Economics, Harbin University of Commerce, Harbin, Heilongjiang, China
2 School of Economics, Harbin University of Commerce, Harbin, Heilongjiang, China
The effective use of social funds is an important guarantee for the benign development of the economy. The shortage of funds faced by the development of small and medium-sized enterprises (SMEs) and a lot of social capital sits idle are still one of the major contradictions that need to be resolved urgently. And the main source of funds for China’s real economy is still loans from commercial Banks. Through the analysis of the loan game between Banks and enterprises in the target economic environment we can find the crux of the problem. Which mainly lies in the market for enterprise information management demand and Market-based interest rate management to reduce market transaction costs and other regulatory construction issues. Therefore, in order to improve market transparency and reduce bank and corporate loan risks, the government and banks should make corresponding system management reforms in credit evaluation and classification and block management.
© The Authors, published by EDP Sciences, 2021
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