基于区块链的供应链金融演化博弈模型及应用研究.pdfVIP

摘 要 供应链金融能为供应链中小微企业缓解融资难的问题，通过核心企业以真实 贸易为基础进行担保，盘活了资金流，使整个供应链能够顺利运作。然而企业骗 贷、违约现象频发，其风险问题备受关注，供应链金融的安全性引发了大量讨论 与研究，分析探索是否存在更好的解决方案？区块链技术理论上非常契合供应链 金融，它是一种分布式账本技术，具有去中心化、去信任、不可篡改和透明化等 特性，但我国实际应用却很少，许多企业搭建或对接了区块链平台，但仍处于发 展初期的尝试阶段。基于以上现象，本文首先建立一般情形下演化博弈模型分析 传统供应链金融决策方的演化决策，探究核心企业与中小微企业的合作，以及金 融机构对核心企业贷款申请的审核与监管，并进一步分析参数变化在不同条件 下，决策方演化受到的影响；在此基础上，本文进一步引入区块激励和信息成本 等相关参数，探讨区块链技术应用对模型的影响，探讨各方决策变化及演化路径， 揭示金融科技背景下的演化规律，同时结合实际，对区块链技术的应用优劣势及 局限进行探讨，对于供应链金融，区块链技术在应用初期具有一定的壁垒，企业 接受度较低，区块带来的虚拟激励缺乏吸引力，随着技术的发展和模式的创新， 合作环境将得到改善。最后针对模型结果，对供应链企业、金融机构以及区块链 平台等提出了参考建议。 关键词： 区块链；供应链金融；演化博弈；演化稳定策略；双链结合 研究类型： 应用研究 Abstract Supply chain finance can alleviate the financing difficulties for small and medium-sized enterprises in the supply chain. Through the guarantee of core enterprises based on real trade, it enlivens the capital flow and enables the whole supply chain to operate smoothly. However, due to the frequent occurrence of corporate loan fraud and default, the risk problem has attracted much attention. The security of supply chain finance has caused a lot of discussion and research. Scholars and enterprises are exploring whether there is a better solution. In theory, blockchain technology is very suitable for supply chain finance. It is a distributed ledger technology, with the characteristics of decentralization, distrust, non tampering and transparency.However,there are few practical applicationsin China.Many enterprises have built or connected blockchain platforms, but it is still in the early stage of development. Based on the above phenomena, this paper first establishes a general evolutionary game model to analyze the evolutionary decision-making of traditional supply chain financial decision-makers, explores the cooperation between core enterprises and small and medium-sized enterprises, as well as the audit and supervision of core enterprise loan application b