数字技术赋能绿色供应链金融融资决策分析——基于演化博弈的数值仿真视角

Analysis on Financing Decision of Green Supply Chain Finance Enabled by Digital Technology: A Numerical Simulation Perspective Based on Evolutionary Game

摘要:

绿色供应链金融作为供应链金融在双碳背景下的创新发展产物,对中小企业绿色发展和融资约束贡献着重要力量。但与传统供应链金融模式相似,绿色供应链金融同样面临信息不对称、严重依赖于交易主体征信等问题。以简单汇平台绿色供应链金融模式中“绿色碳链通”票据贴现融资业务为背景,构建中小企业、金融机构和核心企业三方演化博弈模型,探究影响主体策略选择的重要因素和数字技术赋能绿色供应链金融发展的影响机制,并运用MATLAB软件进行仿真实验。结果表明:数字技术赋能下三方博弈演化到理想稳定状态的条件更容易满足。具体而言,依托于供应链票据价值拆分、区块链技术增加违约损失、绿色评级差异化的融资利率、业务效率提升及信用奖励,促进了三方主体选择积极的融资策略。

Abstract:

Green supply chain finance, as an innovative development product of supply chain finance under the background of dual-carbon, contributes an important force to the green development and financing constraints of small and medium-sized enterprises. However, similar to the traditional supply chain finance model, green supply chain finance also faces problems such as information asymmetry and heavy reliance on the credit investigation of transaction entities. With the background of the "Green Carbon Link" bill discount financing business in the green supply chain finance model of the platform of Jian Dan Hui, a tripartite evolutionary game model involving small and medium-sized enterprises, financial institutions and core enterprises is constructed to explore the important factors affecting the main player"s strategy selection and the influence mechanism of digital technology enabling the development of green supply chain finance. and simulation experiments are conducted with MATLAB software. The results show that it is easier to satisfy the condition that the tripartite game evolves to the ideal stable state under the digital technology. Specifically, relying on the value split of supply chain notes, blockchain technology to increase default losses, differentiated financing rates with green ratings, business efficiency improvements, and credit rewards, the three players have been encouraged to choose positive financing strategies.