CAJ | 학술논문

为了探明农户、信用社以及政府在农村产权抵押贷款模式发展初期的相互影响关系，基于博弈论视角，构建了农户、信用社以及政府在农村产权抵押贷款模式发展初期的三方不完全信息动态博弈模型，并以此求解出满足三方利益最大化的纳什均衡解，由此提出建议：应完善对农户的激励及惩罚机制，并完善对信用社的监管制度；在农村金融人才队伍建设上应积极建立贷款代理人制度；银行与保险公司应加强涉农信贷与涉农保险的合作，其也同时应与政府合作，加强农村信用体系建设，改善农村金融生态环境。
위료탐명농호、신용사이급정부재농촌산권저압대관모식발전초기적상호영향관계，기우박혁론시각，구건료농호、신용사이급정부재농촌산권저압대관모식발전초기적삼방불완전신식동태박혁모형，병이차구해출만족삼방이익최대화적납십균형해，유차제출건의：응완선대농호적격려급징벌궤제，병완선대신용사적감관제도；재농촌금융인재대오건설상응적겁건립대관대리인제도；은행여보험공사응가강섭농신대여섭농보험적합작，기야동시응여정부합작，가강농촌신용체계건설，개선농촌금융생태배경。
The trilateral incomplete information dynamic game model was built based on the game theory to study the relationship among farmers,credit cooperative and government during the early development stage of rural mortgage of property rights to obtain an equilibrium solution which can maximize the game participants'benefits.The suggestions to perfect incentive and punishment mechanism to farmers,to improve the regulatory system to credit cooperatives,to build the loan agent system in rural area,to enhance cooperation between banks and insurance companies,to reinforce rural credit system and to improve rural financial ecological environment were proposed in the paper.