Research on Joint Fraudulence of Supply Chain Financing Based on Evolutionary Game Model

In order to solve the problem of financing difficulties of SMEs, this paper takes the inventory pledge in supply chain finance as the research object, constructs a three-party participatory evolutionary game model with banks, SMEs, and logistics enterprises as the main game bodies, and considers the impact of fraudulent collateralization of SMEs and joint fraudulent loan behavior of logistics enterprises on the evolutionary development. It is found that the cost of fraudulent collateralization of SMEs and their own investment reproduction rate of return, the share ratio of joint fraudulent financing amount of SMEs and the positive and negative feedback effect of the business environment on the behavior of the enterprises play a key role in promoting the evolutionary development to the ideal stable point, and relevant conclusions are drawn accordingly.