A New Credit and Loan Lending Strategy and Credit in Banking Systems: An Evolutionary Game Theory Approach

Table 1

Model parameters.

Symbol	Meaning
	The credit interest rate
	Customer debt funds
	The application costs of customers
	The bank credit costs
	The benefit for the customer
	The gain for the bank
	The success rate of verification
	Cost of receiving receivables from SME or individuals
	Cost of receiving receivables from corporate banking or large enterprises
	Reputation losses
	Opportunity loss for customer
	The penalty costs
	The project initial validation costs
	Costs of secondary controls of the project of SME or individuals
	Costs of secondary controls of the project of corporate banking or large enterprises