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群态融资亦称供应链融资,是商业银行基于供应链管理的需要而进行的业务创新。本文针对供应链上的核心企业与核心环节,探讨金融供应链得以持续稳定的行为决策机制,基于非对称信息条件下信用模式的博弈分析和信息增益修正均衡的讨论,得出了企业面向不同决策的收益模式,据此分析了市场失灵、中小企业融资难和金融供应链的创新性与市场前景。应当加强企业、金融机构和政府的配合互动,保持供应链信息渠道传递畅通。
Group financing, also known as supply chain financing, is a business innovation made by commercial banks based on the needs of supply chain management. This paper aims at the core enterprises and the core links in the supply chain to discuss the sustainable financial decision-making mechanism of the supply chain. Based on the discussion of the game theory of credit model and the equalization of information gain under asymmetric information, Based on this, it analyzes the market failure, the financing difficulties of SMEs and the innovation and market prospects of the financial supply chain. The cooperation and interaction between enterprises, financial institutions and the government should be strengthened so as to ensure the smooth flow of supply chain information.