Evolutionary analysis of green credit and automobile enterprises under the mechanism of dynamic reward and punishment based on government regulation

基于政府规制的动态奖惩机制下绿色信贷与汽车企业的演化分析

To explore the green development of automobile enterprises and promote the achievement of the“dual carbon”target,based on the bounded rationality assumptions,this study constructed a tripartite evolutionary game model of gov-ernment,commercial banks,and automobile enterprises;introduced a dynamic reward and punishment mechanism;and analyzed the development process of the three parties’strategic behavior under the static and dynamic reward and punish-ment mechanism.Vensim PLE was used for numerical simulation analysis.Our results indicate that the system could not reach a stable state under the static reward and punishment mechanism.A dynamic reward and punishment mechanism can effectively improve the system stability and better fit real situations.Under the dynamic reward and punishment mechan-ism,an increase in the initial probabilities of the three parties can promote the system stability,and the government can im-plement effective supervision by adjusting the upper limit of the reward and punishment intensity.Finally,the implementa-tion of green credit by commercial banks plays a significant role in promoting the green development of automobile enter-prises.

为探究汽车企业的绿色发展,促进“双碳”目标的实现,基于有限理性假设,构建了政府、商业银行和汽车企业三方演化博弈模型,引入动态奖惩机制,分析静动态奖惩机制下三方策略行为的演化过程,最后运用Vensim PLE进行数值仿真分析。研究结果表明:在静态奖惩机制下,系统无法达到稳定状态;动态奖惩机制能够有效改进系统的稳定性,更加贴合现实情境;在动态奖惩机制下,三方初始概率的提高能够促进系统的稳定性,政府可以通过调整奖惩力度上限来实现有效监管;商业银行实施绿色信贷对汽车企业的绿色发展具有显著的助力作用。