Research on Bank-enterprise Credit Game Based on Supply Chain Finance Innovation

摘要

Supply chain finance innovation provides a new route choice to effectively solve the financing difficulties for small and medium-sized enterprises. The bank-enterprise credit relationship in supply chain finance is a process of dynamic game. In this paper, the theory of "Financial instability hypothesis" is used to explain the bank-enterprise credit structure, analyzing the formation of bank-enterprise credit risks based on the asymmetric information, establishing a dynamic game model to analyze the decisions of bank-enterprise, solve the Bayesian Nash equilibrium and its existing conditions, find their respective optimal choice, achieve the optimal contract design of supply chain financial benefit maximization.