Research On The Optimized Model Of The Financing Contract Of The Electronic Warehouse Receipt Based On The Dynamic Game

It has become a trend that the banks make cooperate with the third-party B2 B platform to provide financing services to small and medium-sized enterprises in the supply chain.The B2 B platform,as the third-party to participate in supply chain finance,makes finance objective,professional and open.The pattern provides new finance approach for small and medium-sized enterprises and contributes to ease the difficult financing problem of small and medium-sized enterprises.It also can build the relatively complete credit evaluation system with electronic credit which can supplement traditional financial credit do that to reduce the financing risk of supply chain finance.So the optimized financing model can realize benefit maximization of the main participants and play adequately financing effect for online supply chain financing.This paper selects the electronic warehouse financing model as the research object,apply the idea of dynamic game to analyze the dynamic game relations between the participants in the process of electronic warehouse financing.The one is the dynamic game relation between the third-party B2 B platforms and small and medium-sized enterprises,and the other is between the commercial banks and small and medium-sized enterprises.Then build matrix and calculate the revenue functions of commercial banks,third-party B2 B platform and the small and medium-sized enterprises using replicator dynamic equation.And then analyze the change trend of each main revenue function and influencing factors using matlab software to draw function simulation diagram.It can be drawn the following conclusions through the analysis: the participants' benefit will change with the changes of its game strategy choice probability,and the benefit of the third-party B2 B platform is higher with higher pledge realization tare.It is also can be concluded that the acceleration effect,which the small and medium-sized enterprises can get when they keep promise,to make small and medium-sized enterprises keep promise is more obvious than the punishment that the small and medium-sized enterprises assume when they break the contract.Besides,the third-party B2 B platform,bank and the small and medium-sized enterprises will achieve the balanced state after evolutionary and the balanced choices are(reveal all the details,keep promise)and(loan,keep promise).At last,what is put forward is the policy suggestions for each participant of the electronic warehouse financing mode to optimize contract,which can provide theoretical basis for the healthy and long-term development of online supply chain finance.