CAJ | 학술논문

文章讨论如何设置银行的惩罚力度将银行与借款人、借款人与借款人之间的博弈整合为联保贷款小组成员之间的博弈，并分析了个体加入联保贷款小组及其偿还贷款影响因素。研究发现：申请联保贷款的借款人会选择与风险型相同的借款人一组；针对不同联保贷款小组应计算其合适的贷款利率，不应采用一刀切的贷款利率；银行设置的惩罚力度达到一定程度时能消除借款人的主观违约意愿。
문장토론여하설치은행적징벌력도장은행여차관인、차관인여차관인지간적박혁정합위련보대관소조성원지간적박혁，병분석료개체가입련보대관소조급기상환대관영향인소。연구발현：신청련보대관적차관인회선택여풍험형상동적차관인일조；침대불동련보대관소조응계산기합괄적대관리솔，불응채용일도절적대관리솔；은행설치적징벌력도체도일정정도시능소제차관인적주관위약의원。
This paper analyzes how banks could set up the bank’s punishment to transform the traditional loan-repayment games between banks and the borrower into games between the borrower and the borrow-er ,show s the individual joins its team of group lending and factors affecting the loan repayment .Study found that :borrowers applying for group lending would group with a same risk type borrower ;group lending for different teams should calculate the appropriate lending rates ,lending rates should not be used across the board ;the degree of punishment to a certain extent can eliminate borrower’s subjective defaul-ting w illing ness .