征信推动普惠金融发展的博弈分析——以应收账款融资服务平台为例

应收账款融资服务平台作为人民银行组建的金融基础设施,能通过盘活应收账款存量,提高融资效率,有效发挥征信推动普惠金融发展的作用。用博弈论方法分析平台参与各主体,认为应鼓励企事业单位踊跃加入平台,完善系统服务功能,合理配置平台融资的投向结构,助推社会信用体系建设等,以加强平台推广,促进普惠金融发展。

Game Analysis on Credit Reference in Promoting the Development of Inclusive Finance --A Case Study of the Accounts Receivable Financing Service Platform

As a financial infrastructure built by the people＇ s Bank of China, accounts receivable financing service platform can improve financing efficiency by activating the accounts receivable inventory, exerting effectively the role of credit reference in promoting the development of inclusive finance. By using the methods of game theory, an anal- ysis is made on the various participants of the platform, it＇ s necessary to encourage public enterprises and institu- tions to join the platform, make functional service system perfect, allocate reasonable placement structure on the financing platform, and boost the construction of social credit system, so as to strengthen the platform promotion and promote the development of inclusive finance.