Dynamic Evolutionary Game Analysis of How Fintech in Banking Mitigates Risks in Agricultural Supply Chain Finance

TL;DR

This paper models how banking fintech innovations like big data, blockchain, and AI reduce financial risks and improve credit access in agricultural supply chains, promoting stability and rural development.

Contribution

It introduces a three-player evolutionary game model to analyze fintech's role in mitigating risks and enhancing cooperation among banks, enterprises, and SMEs in agriculture.

Findings

Fintech reduces financing costs and risks.

Improves transaction reliability and risk identification.

Enhances supply chain stability and rural revitalization.

Abstract

This paper explores the impact of banking fintech on reducing financial risks in the agricultural supply chain, focusing on the secondary allocation of commercial credit. The study constructs a three-player evolutionary game model involving banks, core enterprises, and SMEs to analyze how fintech innovations, such as big data credit assessment, blockchain, and AI-driven risk evaluation, influence financial risks and access to credit. The findings reveal that banking fintech reduces financing costs and mitigates financial risks by improving transaction reliability, enhancing risk identification, and minimizing information asymmetry. By optimizing cooperation between banks, core enterprises, and SMEs, fintech solutions enhance the stability of the agricultural supply chain, contributing to rural revitalization goals and sustainable agricultural development. The study provides new theoretical insights and practical recommendations for improving agricultural finance systems and reducing financial risks. Keywords: banking fintech, agricultural supply chain, financial risk, commercial credit, SMEs, evolutionary game model, big data, blockchain, AI-driven risk evaluation.