Credit rationing hindered the development of MSEs. Big data credit technology creates a great opportunity to address this issue. Then, how does big data credit technology affect and to what extent can it alleviate the credit rationing of MSEs? Based on the bounded rationality economic man hypothesis, the evolutionary game model of banks and MSEs under the traditional mode and big data credit technology are constructed, respectively, in this paper, and the evolutionary trajectory of bank-enterprise credit strategies under the two modes are comparatively analyzed. The results show that it is hard to alleviate the credit rationing of MSEs under the traditional mode. However, under big data credit technology, when the overall credit level of MSEs is high, the credit rationing of MSEs will be effectively alleviated. When the overall credit level of MSEs is too low, it is difficult to determine whether big data credit technology can alleviate the credit rationing of MSEs. In order to verify the feasibility of big data credit technology in alleviating the credit rationing of MSEs, a simulation experiment is conducted to compare the differences in the credit rationing of MSEs with different credit levels under the two credit modes. We found that the credit rationing of MSEs is always lower under big data credit technology than under the traditional mode. Therefore, big data credit technology can effectively alleviate the credit rationing of MSEs under any circumstances. The research provides theoretical support for banks to apply big data credit technology to achieve a win-win situation for both parties.

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大数据信贷技术对小微企业信贷配给影响的演化博弈分析

信贷配给阻碍了小微企业的发展。大数据信用技术为解决这一问题创造了绝佳的机遇。那么，大数据信贷技术对小微企业的信贷配给有何影响、能在多大程度上缓解呢？基于有限理性经济人假说，分别构建了传统模式和大数据信贷技术下银行与小微企业的演化博弈模型，两种模式下银企信贷策略的演化轨迹为进行了对比分析。研究结果表明，传统模式下难以缓解小微企业信贷配给。但在大数据信贷技术下，当小微企业整体信用水平较高时，小微企业信贷配给将得到有效缓解。当小微企业整体信用水平过低时，很难判断大数据信用技术能否缓解小微企业信贷配给。为了验证大数据信贷技术缓解小微企业信贷配给的可行性，通过模拟实验比较了两种信贷模式下不同信用等级小微企业信贷配给的差异。我们发现，大数据信贷技术下小微企业的信贷配给始终低于传统模式下。因此，大数据信贷技术在任何情况下都可以有效缓解小微企业的信贷配给。该研究为银行应用大数据信贷技术实现双方共赢提供理论支撑。