Credit Risk Game Analysis and Control Model of RMSEs—Based on the Perspective of Green Credit

Xi Zhou, Chuang Yang, Caiyu Wan, Wei Gao, Suping Ye, Lingyan Wu and Luyao Liu
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Xi Zhou: Jiyang College, Zhejiang A&F University
Chuang Yang: School of Economics and Management, Zhejiang A&F University
Caiyu Wan: Jiyang College, Zhejiang A&F University
Wei Gao: International Exchange College, Hankou University
Suping Ye: Jiande Bureau of Agriculture and Rural Affairs
Lingyan Wu: Jiande Bureau of Agriculture and Rural Affairs
Luyao Liu: Jiyang College, Zhejiang A&F University

Agricultural & Rural Studies, 2024, vol. 2, issue 2

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.

Keywords: RMSEs; game theory; credit risk; green credit (search for similar items in EconPapers)
Date: 2024
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Persistent link: https://EconPapers.repec.org/RePEc:ris:sccars:022090

DOI: 10.59978/ar02020012

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