网络融资模式下林业小微企业信用风险管控机制研究

Credit Risk Control Mechanism of Forestry Small and Micro Enterprises under Network Financing Mode

林业小微企业对丰富林产品市场、盘活林业资源、促进我国经济发展、扩大就业等方面做出了重要的贡献,但是林业小微企业存在资金缺乏、融资难等问题。网络融资模式是为林业小微企业提供贷款的一种新型网络融资模式,但其存在着一定信用风险。针对网络融资模式下的林业小微企业主要信用风险因素,通过博弈论、信息经济建模等方法,提出科学的林业小微企业信用风险评价机制、基于演化稳定策略(ESS)的网络融资模式下信用风险管控机制、基于网络联保交易的信用风险管控机制、基于区块链技术下网络融资创新模式的信用风险管控机制等来控制林业小微企业的信用风险,从而提升网络融资模式下林业小微企业融资水平以及信用风险管控能力。

Small and micro forestry enterprises have made important contributions to enriching the market of forest products,revitalizing forestry resources,promoting China’s economic development and expanding employment.However,small and micro forestry enterprises have problems such as lack of funds and difficult financing;Network financing mode is a new network financing mode that provides loans for small and micro forestry enterprises,but it has certain credit risk.Aiming at the main credit risk factors of forestry small and micro enterprises under the network financing mode,through game theory,information economy modeling and other methods,this paper puts forward scientific credit risk evaluation mechanism of forestry small and micro enterprises,credit risk control mechanism under the network financing mode based on evolutionary stability strategy,credit risk control mechanism based on network joint guarantee transaction,and credit risk control mechanism based on the network financing innovation mode under blockchain technology to control the credit risk of forestry small and micro enterprises,So as to improve the financing level and credit risk control ability of forestry small and micro enterprises under the network financing mode.