Analysis of the Financing Mode of Small and Medium-Sized Enterprises Under the DC/EP Platform Based on a Comparison with the Traditional Bank Financing Mode

As a legal currency with the credit endorsement of Chinese government, DC/EP has many advantages and special characteristics. Based on application in financing small- medium-sized enterprises (SMEs), this paper studies optimal decisions SMEs under both traditional mode mode. Considering construction use costs role traceability improving mortgage rates, explores feasible range for to select financing. It is found that rates affect returns when they take loans; different strategies, pledge rate set by bank will willingness SMEs. The participants had optimize borrowers banks. High-quality are more willing platform With increase default costs, banks be inclined DC/EP, while utilize Through comparative analysis two modes, cost neither nor found. This study provides theoretical support management inspiration scientific decision-making solve problems using DC/EP.