Credit Risk Game Analysis and Control Model of Rural Small and Micro Enterprises——Based on the perspective of green credit

Abstract

RMSEs (rural micro and small enterprises) absorb the rural surplus labor force for employment and entrepreneurship, which is an important economic growth point in rural areas in the future. However, RMSEs have narrow financing channels and difficult financing problems, which hinder the development of the rural economy. If RMSEs want to develop sustainably, they need to find effective financing channels. RMSEs no longer use traditional means of financing through commercial bank loans but are looking for newer financing modes, such as online loan platforms, investors, and so on. This paper takes RMSEs as the main body, RMSEs target rural commercial banks, online loans, and investors as funding instruments, and through building a benchmark model of the evolution game between funding instruments and RMSEs, banks, based on the perspective of green credit other investors industry competition and market regulatory mechanisms and to build a control model of credit risk of RMSEs to reduce the credit risk of RMSEs.