动态博弈下众创平台金融担保的服务对策

创新创业型小微企业是我国经济发展的重要组成部分,但融资困难制约了其持续发展。本文在总结国内外学者研究的基础上,分析小微企业融资困难的原因,提出通过众创平台为创新创业小微企业提供金融担保服务,从而缓解小微企业融资困境。在阐述了众创平台的内涵及其可提供的金融服务之后,建立动态博弈模型,分别从高风险企业、低风险企业以及众创平台的角度进行模型的优化求解,并对相关参数及变量的有效范围进行分析,实现均衡分离。最后,从专业化评估水平、监督管理水平、抵押补偿能力、信息获取成本等方面提出应用实践的对策建议,以提高众创平台的金融担保服务能力,实现可持续发展。

Innovative and entrepreneurial small and micro enterprises are important parts of China＇s economic development, but fi- nancing difficulties have restricted their sustained development. On the basis of summing up the domestic and foreign scholars＂ researches, this paper analyzes the reasons for the financing difficulties of small and micro enterprises, and pro- poses to provide financial guarantee services through popular entrepreneurship platform for small and micro enterprises, thereby easing their financing difficulties. After discussing the connotation of the platform and its financial services, a dy- namic game model is established. The model is optimized from the perspectives of high risk enterprises, low risk enterpris- es and popular entrepreneurship platform. The effective range of related parameters and variables is analyzed to realize the equilibrium separation. Finally, some suggestions are put forward, from the aspects of professional evaluation level, super- vision and management level, mortgage compensation ability and information acquisition cost, to improve financial guaran- tee service capabilities of popular entrepreneurship platform and achieve its sustainable development.