After The Financial Crisis Of The SMEs And Banks Evolutionary Game Analysis

At the end of 2008, the secondary mortgage crisis, which underline the largest global financial crisis or even the world economic entities and the world are faced with global financial crisis challenges. American and European countries that receive serious economic impact, the European countries the government frequently economic crisis, under such circumstances, china's economic instability factor in increasing domestic small and medium-sized enterprises, our investment environment was also suffering from shock.Early in 2005, our SMES will of the enterprises of 99% and 75% of the employment and exports more than 60% of total industrial output value of the above, the 70% or 45% tax and all the small and medium-sized enterprises have achieved an added value of the 55% of GDP over the country. Small and medium-sized enterprises to create more employment opportunities in china and for china's state-owned enterprise groups to optimize the industrial structure adjustment, for this group of small and medium-sized enterprises in the whole national economy occupies a vital. Since the reform and opening, medium and small-sized enterprises to the high-speed economy growth, for the high-speed economy development of the main engine. the industry has long been recognized by the full development of SMES for the high-speed economy development, prosperity and stability of the market and employment opportunities more and more important, and the modernization of the operation mechanism and the domestic market competition in the strong adaptability and gradually became china's economy has transformed from a planned economy to a strong push.Our small and medium enterprises financing methods are large state-owned enterprises financing methods is a small and medium-sized enterprises inner financing by the stable growth of capacity is weak, in its development very much dependent on financing for development. the SEMS outer on financing for the financing of the above four five. These realities of our economy is in arrears with the bank and:first astronomical sums of money cannot be fully effective use of; enterprise groups and they need to develop investment value to the SMES. the big bank group and business community is in business take advantage of information on the evolution and the effect of risk in the game is really exceptional. Collection of the various effects of evolution Bank-enterprises players entered the dead, causing the bank for small and medium-sized enterprises need a loan was the cause of our banks on small group of financing requirements, only pursues and large state-owned enterprises to the large business, but large state-owned enterprises financing in financing projects and the banks concerned.Therefore, the growth enterprise groups in the process of positive and enterprise groups in outer financing of the negative aspects of the existence of serious errors in the medium and small-sized enterprises to develop into trouble. how to better solutions to the SMES in financing appear in the process of the problem has become the government, enterprises and banks are determined to solve the problem. Research for SMES needed in the process of development financing plan was an increase in the future economic vitality and sustain growth in the key factor.This article mainly adopt a dynamic evolutionary game genetic stencils of the model of our small and medium-sized enterprises and bank loans issue of evolution game analysis. the theoretical basis, both relating to financing for SMES theory and summarizing. the first to use the game theory of evolution, the genes from the qualitative and quantitative two with china on financing for SMES in recent years with my study. From the business community to increase the physical security and local government to impose local enterprises to provide loan two ways to establish a dynamic evolutionary game genetic stencils of the equation, then genetic stencils of the dynamic of the equation the variable dynamic analyses. Analysis of enterprise groups in the unique characteristics of financing and business processes in the analysis of loans provided the necessary security for loans in the process, the government consider the appropriate support for enterprise groups to model the impact of game theory of evolution, in a positive view of the fall:Enterprise groups in the process to provide security and local government Bank-enterprises game for enterprise groups responsible for all in a large extent Bank-enterprises towards the game with a bank group and enterprise groups of the common development. Finally, the article mainly from the local government to the right to participate in the game and how to reduce Bank-enterprises bank group and enterprise groups between information asymmetry wait a few, a comprehensive system, how to solve the problem of small and medium enterprises financing problem areas. feasibility proposal.