基于博弈论视角的供应链金融信用风险研究

The Research of Supply Chain Finance Credit Risk Based on Game Theory

中小企业是供应链中的资金薄弱环节,并且一直存在着融资难的问题,近年来,随着供应链管理理念的发展和金融机构业务的开发,供应链金融模式应运而生,它能够帮助供应链中的中小企业融资,同时使物流企业扩大业务范围并获得增值利润,成为解决中小企业融资难的有效方式,实现银企互利共赢。文章首先分析了供应链金融业务中风险的来源,然后利用博弈模型对供应链金融在现实运用中可能遇到的信用风险进行深入分析,最后结合博弈模型的具体结果,为金融机构和物流企业提出切合实际的建议,降低信用风险,促进供应链金融参与主体的共赢。

Small and medium-sized enterprise is the capital of the weak link in the supply chain, and there has always been the financing difficult problem, in recent years, with the development of supply chain management concept and the development of financial institutions, financial supply chain models, it can help the small and medium-sized enterprises of supply chain financing, at the same time makes the logistics enterprises to expand the business scope and value-added profits, become the efficient way that solve the financing difficulties of small and medium-sized enterprises, and mutually beneficial basis argues. At first, this paper analyzes the source of risk in supply chain finance business, and then using the game model of supply chain finance in may encounter in the practical use of credit risk analysis, and finally on the basis of the result of game model, and logistics enterprises for financial institutions put forward practical suggestions, reduce the credit risk, promote win-win supply chain financial participation main body.