Evolutionary Game Analysis on Credit Extension Financing Considering Auditing of Banks

In order to study the game behaviors of logistics enterprises and financing enterprises,this paper focuses on credit extension mortgage financing mode to explore the interaction between the players by using evolutionary game theory;establishes an evolutionary game model,which considers bank's credit rate, for the revenue distribution based on the analysis of the model parameters;and uses precise integration method developed by professor Zhong Wanxie.It is proved that theoretical analysis is consistent with numerical results.Results show that:(1) supervision cost of logistics enterprises,penalty of financing enterprises et al.are parameters which affect the system's evolutionary direction and players' strategies selection;(2) the reasonable adjustment of credit rate made by banks has a significantly positive effect on game players,which will balance the revenue of players,and strengthen the supervision of financing process.