Research on risks of small and medium-sized enterprises online confirming storage based on evolutionary game theory and subjective Bayesian method

Online confirming storage of small and medium-sized enterprises (SMEs) is a financial innovative product designed specially by China’s commercial banks to deal with the “Macmillan gap”. Targeting at this new product, and based on the analysis of its application process and mode, this paper first establishes the multi-game evolution model, works out the equilibrium, as well as tests the stability of the equilibrium point. Combined with the characteristics of the confirming storage, it puts forward a subjective Bayesian method, which is an information iteration one mostly adopted under the non-symmetric information circumstances. Finally, a system simulation case study is utilized to test the validity and practicability of the method.