分享兴趣，传播快乐，
增长见闻，留下美好。
亲爱的您，
这里是LearningYard学苑！
今天小编为大家带来《基于区块链的农业供应链金融三方策略选择的演化博弈及对策研究》一文。
欢迎您的访问！
Share interests, spread happiness，
increase knowledge, and leave beautiful.
Dear, this is the LearingYard Academy!
Today, the editor brings the "
Research on Evolutionary Game and Countermeasures of
Tripartite strategy Selection of Agricultural Supply Chain
Finance Based on Blockchain".
Welcome to visit！
1 内容摘要（Content summary）
今天小编将从“思维导图、精读内容、知识补充”三个板块，解读分享《基于区块链的农业供应链金融三方策略选择的演化博弈及对策研究》一文的机理分析部分。
Today, I will share the mechanism analysis part of the article “Evolutionary Game and Countermeasure Research on Blockchain-Based Agricultural Supply Chain Finance Tripartite Strategy Selection” from the three sections of “Thinking Guide, Intensive Reading, and Knowledge Supplementation”.
2 思维导图（Mind mapping）
3 精读内容（Intensive reading content）
3.1 传统农业供应链金融运作模式概述
3.1 Overview of Traditional Agricultural Supply Chain Finance Operation Models
（1）“核心农业企业+农户+金融机构”模式：此模式依托核心农业企业作为桥梁，连接农户与金融机构，利用农产品预期销售收入作为贷款抵押，核心企业同时负责资金监管、担保和农产品销售，旨在分散贷款风险，拓宽农户销售路径，实现融资与市场拓展的双重目标。
(1) The “core agricultural enterprise + farmers + financial institutions” model: this model relies on the core agricultural enterprise as a bridge to connect farmers and financial institutions, using the expected income from the sale of agricultural products as collateral for the loan, with the core enterprise being responsible for the supervision of funds, guarantees and the sale of agricultural products at the same time, with the aim of dispersing the risk of the loan and broadening the sales path of the farmers, so as to realize the dual goals of financing and market expansion. It aims to diversify loan risks, broaden farmers' sales paths, and realize the dual goals of financing and market expansion.
（2）“核心农业企业+农业园区+农户+金融机构”模式：在此基础上增加农业园区作为监管服务平台，通过正式协议强化生产销售监管、技术传递及产品流向控制，进一步提升贷款安全性，深化合作以降低供应链金融的整体风险。
(2) “Core Agricultural Enterprise + Agricultural Park + Farmers + Financial Institutions” model: on this basis, the Agricultural Park is added as a supervisory service platform, and the production and sales supervision, technology transfer and product flow control are strengthened through the formal agreement to further enhance the security of the loan, and to deepen the cooperation in order to reduce the overall risk of supply chain finance.
（3）“核心农业企业+农业生产合作社+农户+金融机构”模式：引入农业生产合作社为农户集合体，农户以土地入股形式合作，四方协议确保合作社作为贷款主体，核心企业承担连带保证责任，促进规模生产与销售，优化风险管理与利润分配结构。
(3) “Core agribusiness + agricultural production cooperatives + farmers + financial institutions” model: the introduction of agricultural production cooperatives as a collection of farmers, with farmers cooperating in the form of land shares, a four-party agreement to ensure that the cooperative is the main body of the loan, and the core enterprise assumes joint and several guarantee responsibility, promoting large-scale production and sales, optimizing risk management and profit distribution structure. Optimizing risk management and profit distribution structure.
（4）总结：
(4) Summary:
3.2 参与主体角色与特征
3.2 Roles and Characteristics of Participating Subjects
核心农业企业：扮演关键角色，具有强大实力和高信誉度，运用先进技术，拥有广泛市场渠道，能有效担任金融交易中的担保角色。
Core agribusiness: plays a key role, is strong and highly credible, utilizes advanced technology, has extensive market access, and can effectively act as a guarantor in financial transactions.
金融机构：农业供应链金融的资金供给方，面临农户信息收集成本高昂的挑战。
Financial institutions: the suppliers of capital for agricultural supply chain finance face the challenge of high costs of collecting information from farmers.
农业合作组织：由农户组成，以土地入股，受限于知识水平和自然条件，抗风险能力弱，难以独立获得融资。
Agricultural cooperative organizations: they are composed of farmers with land as shares, and are limited by their knowledge and natural conditions, with a weak capacity to resist risks and difficulty in obtaining financing on their own.
3.3 农业供应链金融固有风险
3.3 Risks inherent in agricultural supply chain finance
农产品风险：源自生产分散、经验限制及市场波动，影响收益稳定性。
Agricultural risk: arises from fragmented production, experience limitations and market volatility, affecting the stability of returns.
法律风险：合同设计缺陷和执行问题可能导致纠纷，影响合作信任。
Legal risk: Contract design flaws and implementation problems may lead to disputes and affect trust in cooperation.
信用风险：参与方违约行为可能引发损失和还款困难。
Credit risk: Participants' defaults may trigger losses and repayment difficulties.
业务运营风险：技术、产品处理、定价和结算等环节的操作失误可损害信任基础。
Business operations risk: Operational failures in technology, product processing, pricing and settlement can undermine the foundation of trust.
3.4区块链与农业供应链金融的耦合性及策略影响
3.4 Coupling of Blockchain and Agricultural Supply Chain Finance and Strategy Implications
（1）耦合性分析：
（1）Coupling analysis:
主体层面：区块链技术促进各参与主体间的直接交互，减少中间环节，提高合作效率。
Subject level: blockchain technology facilitates direct interaction among participating subjects, reduces intermediate links and improves the efficiency of cooperation.
信息层面：区块链的不可篡改性增强数据透明度，降低信息不对称，提升决策质量。
Information level: blockchain's non-tamperability enhances data transparency, reduces information asymmetry and improves decision-making quality.
降低风险层面：智能合约自动执行，确保合同条款遵守，减少违约风险，同时区块链追溯功能有助于农产品风险管理和信用评估。
Reducing the risk level: smart contracts are automatically executed to ensure compliance with the terms of the contract and reduce the risk of breach of contract, while the blockchain traceability function helps in risk management and credit assessment of agricultural products.
（2）策略选择分析
（2）Strategy Selection Analysis
鉴于区块链与农业供应链金融的高度耦合性，构建基于区块链的新型模式能显著改善信息不对称，鼓励信用行为。核心企业因增强的信用环境更愿提供担保，金融机构在透明、低风险环境下更敢放贷，而农业生产合作社则在透明高效的环境中积极还款，形成良性循环，最终推动整个农业供应链金融的健康发展。
Given the high degree of coupling between blockchain and agricultural supply chain finance, building a new model based on blockchain can significantly improve information asymmetry and encourage credit behavior. Core enterprises are more willing to provide guarantees due to the enhanced credit environment, financial institutions are more daring to lend in a transparent and low-risk environment, and agricultural production cooperatives are actively repaying their loans in a transparent and efficient environment, forming a virtuous cycle that ultimately promotes the healthy development of the entire agricultural supply chain finance.
4 知识补充（Knowledge supplement）
什么是耦合性？（What is coupling? ）
耦合性是指在软件工程领域中，不同模块或组件相互依赖和关联的程度。这一概念帮助评估系统内部结构的复杂性和模块间的独立性。具体来讲，它衡量了一个模块内部的变动会如何影响其他模块的功能。系统设计追求的是低耦合，即模块间保持较小的依赖关系，这样每个模块可以独立开发、测试和更新，而不会对整个系统造成大的干扰，有利于提高软件的可维护性、可测试性和未来的可扩展性。相反，高耦合的系统中模块紧密相连，任何单一模块的改动都可能波及众多其他模块，增加了维护难度和出错风险。因此，通过设计清晰的接口、遵循良好的编程实践和设计原则，是实现模块间低耦合、构建健康软件架构的关键。
Coupling is the degree to which different modules or components are dependent and related to each other in the field of software engineering. This concept helps assess the complexity of the internal structure of a system and the independence between modules. Specifically, it measures how changes within one module can affect the functionality of other modules. System design pursues low coupling, i.e., modules maintain small dependencies between them so that each module can be developed, tested, and updated independently without causing major disruptions to the overall system, which is conducive to improving the maintainability, testability, and future scalability of the software. On the contrary, modules in a highly coupled system are closely connected, and changes in any single module may affect many other modules, increasing the difficulty of maintenance and the risk of errors. Therefore, by designing clear interfaces and following good programming practices and design principles, it is crucial to realize low coupling between modules and build a healthy software architecture.
如果您对今天的文章有独特的想法，
欢迎给我们留言，
让我们相约明天。
祝您今天过得开心快乐！
That's all for today's sharing.
If you have a unique idea about the article,
please leave us a message,
and let us meet tomorrow.
I wish you a nice day!
参考资料：ChatGPT
参考文献：
徐乙. 基于区块链的农业供应链金融三方策略选择的演化博弈及对策研究[D]. 江苏科技大学, 2022.
本文由LearningYard学苑原创，如有侵权请在后台留言！
文字|Wei
排版|Wei
审核|Ann