刻画银企行为特征, 研究银行与企业间信贷关联及企业间担保关联的建立, 构建同时引入信贷关联及担保关联的银企多金融关联网络模型. 基于所构建的模型, 借助计算机仿真 分析, 可视化了银企多金融关联网络, 阐述了银企基于信贷关联及担保关联的相互作用, 并对模型的涌现特征进行了研究. 研究发现, 银企多金融关联网络模型的企业规模分布涌现出幂律尾部特性;而当改变担保放大系数时, 企业规模分布亦涌现出幂律尾部特性.

This paper describes the behavioral characteristics of banks and firms, studies the establishment of credit and guarantee links between banks and firms, and constructs a firm-bank network model with multi-financial links that simultaneously introduces credit and guarantee links. Based on the model and computer simulation analysis, this paper visualizes the firm-bank network with multi-financial links, expounds the firm-bank interactions based on credit and guarantee links, and studies the emergence characteristics of the model. The results show that the power-law tail characteristics emerge in firm size distributions of the firm-bank network model with multi-financial links; when the guarantee amplification factor is changed, power-law tail characteristics of firm size distributions still emerge.