Research On The Evolution Of The Three Party Credit Risk Of Logistics Finance

At present,due to the characteristics of SMEs financing,the low level of credit and financing costs,loan approval process of the financing difficulties in the logistics finance,as a new financial service came into being,to a certain extent,release the small and medium-sized enterprise financing difficulties.However,the development of logistics finance in China is still in the initial stage,there is no complete technical support,but also the lack of legal system and the consummation system,there are many imperfections,especially this kind of innovative service model can bring the risk and the different to the third party logistics and commercial banks,credit risk is the key.Study on the evaluation,compared to the previous focus on financing objective factors in fact,comparison of objective and scientific,the subjective aspects of the credit risk is more difficult to control,the reason is due to the asymmetric information in the decision-making,therefore,efficient control channel expansion of logistics financial business risk has important significance.The article first introduced and theoretical review of logistics finance business,summed up the main business model of logistics finance,the principal-agent theory and evolutionary game theory and evolutionary game theory with practical significance;secondly,using the principal-agent theory into intrinsic motivation of credit risk of logistics financial business,the logistics involved in recognition the main potential financial business credit risk;secondly,the main part by using evolutionary game theory,respectively for logistics enterprises and financing enterprises financial institutions,financial institutions and enterprises in the traditional credit financing principal-agent problem and credit risk in the logistics finance three party contract fraud,supervision and so on,construction the evolution game model,compared to the traditional credit behavior and strategy of logistics finance mode Through the analysis of the logistics financial business objectives to achieve the effective conditions.On the basis of the above,in order to make the research close to reality,and the use of MATLAB for the above evolutionary game model simulation analysis,the parameter value is assigned an evolutionary game model,validated the evolution model;finally,based on the evolutionary game model of logistics finance the results of an analysis,put forward optimization scheme for the credit risk of logistics finance business,and put forward some policy suggestions accordingly.