The aim of harmonious and mutual-beneficial credit concept is to construct a many-aspect win state under the guidance of the ideas that the credit rule is abided by strictly, all participants are mutually equal during the process of their trading and they can get benefit from each other, can mutually support and finally get prosperous together. Based on these ideas, we built expected utility model of multi-channel investment and financing, and obtain Nash equilibriums of multi-player game. Then we analyze several parameters about their impacts on players' expected profits in detail, such as default probability and moral hazard of corporate, financing total, the proportion of enterprise's holding shares and risk aversion coefficient etc. , and thereby present corresponding strategies of the investment and financing. Finally, we propose the effective strategy set of a multi-beneficial credit loan system by empirical analysis.%和谐共赢信用理念意在追求"恪守信用、平等互利、相互支持、共同繁荣"的多赢局面,即力求经济金融系统各部分利益或效用尽可能最大化.基于这种视角,刻画了多渠道投融资各方收益期望效用模型,并依据博弈原理给出多方博弈的Nash均衡解,且详细考察了若干参数,诸如企业的违约概率、道德风险、融资总额、持股比例、风险厌恶程度等对博弈各方和总体收益的影响程度,据此提出了相应的投融资对策,并对投融资各方共赢的有效策略集进行了实证分析.
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