信用担保介入对小微企业P2P网络融资行为的影响
[14]张维，何枫，熊熊，等.基于互联网金融的小微融资概念模型[J].经济体制改革，2015(5)：158-160.
[15]杜强，潘怡.普惠金融对我国地区经济发展的影响研究——基于省际面板数据的实证分析[J].经济问题探索，2016(3)：178-182.
The Impact of Intervention of Credit Guarantee on Financing Behavior of P2P
Network for Small and Micro Enterprises
WEN Xue-zhou，FAN Cai-yun
(School of Management， Jiangsu University， Zhenjiang 212013， China)
Abstract： In order to spread risk， many P2P network lending platforms seek to cooperate with third-party security company.This paper analyzes the impact of intervention of guarantee institutions on the financing behavior of P2P network for small and micro enterprises by establishing a dynamic game model among guarantee institutions， P2P network lending platform and small and micro enterprises： the intervention of credit guarantee institutions can increase the expectation of P2P platform and spread the risk of P2P platform， which is more conducive to provide financing services for small and micro enterprises； at the same time， a good enterprise credit level can promote the cooperation between the P2P network financing platform and credit guarantee cooperation to serve the financing of small and micro enterprises.
Key words：P2P lending pattern； SMES； credit guarantee； dynamic game
(责任编辑：严元), http://www.100md.com(文学舟 樊彩云)
[15]杜强，潘怡.普惠金融对我国地区经济发展的影响研究——基于省际面板数据的实证分析[J].经济问题探索，2016(3)：178-182.
The Impact of Intervention of Credit Guarantee on Financing Behavior of P2P
Network for Small and Micro Enterprises
WEN Xue-zhou，FAN Cai-yun
(School of Management， Jiangsu University， Zhenjiang 212013， China)
Abstract： In order to spread risk， many P2P network lending platforms seek to cooperate with third-party security company.This paper analyzes the impact of intervention of guarantee institutions on the financing behavior of P2P network for small and micro enterprises by establishing a dynamic game model among guarantee institutions， P2P network lending platform and small and micro enterprises： the intervention of credit guarantee institutions can increase the expectation of P2P platform and spread the risk of P2P platform， which is more conducive to provide financing services for small and micro enterprises； at the same time， a good enterprise credit level can promote the cooperation between the P2P network financing platform and credit guarantee cooperation to serve the financing of small and micro enterprises.
Key words：P2P lending pattern； SMES； credit guarantee； dynamic game
(责任编辑：严元), http://www.100md.com(文学舟 樊彩云)