Analysis And Research On Credit Loan Of Small And Micro Businesses In Chinese Commercial Banks Based On Game Theory

Small and micro enterprises are an important part of the national economic system and make a great contribution to economic development.In order to promote the development of small and micro enterprises,the state has issued a number of supportive policies,but the development of small and micro enterprises still face many difficulties.The financing difficulties is a top priority and needs urgent solution.This paper takes the actual situation of small and micro enterprise financing as the research background,selects the credit loan model as the research object,and reads a large number of literatures on the financing research of small and micro enterprises,sorts out the financing problems of small and micro enterprises and the research status of credit loans at home and abroad,and analyzes small the causes of micro-enterprise financing problems and the development of credit loans have identified the key factors for the implementation of micro-enterprise credit loans.At the same time,the author studies and analyzes the typical model of current small and micro enterprise credit loans,and analyzes the problems existing in the current model by establishing a game model between the creditors and debtors.It is believed that the main reasons for the development of credit loans are the asymmetry of information between banks and enterprises and the imperfect post-lending punishment mechanism,thus creating unbelievable commitment and threats.By introducing the use of big data under the background of Internet finance and the standards of small and micro enterprise credit rating,the model is further studied.It is believed that the problems existing in the existing credit loan model can be solved to a certain extent,and it has a positive effect on the development of future credit loan models.To open up a new path for the financing of small and micro enterprises.