金融发展研究
金融髮展研究
금융발전연구
JOURNAL OF FINANCIAL DEVELOPMENT RESEARCH
2015年
3期
67-71
,共5页
信贷市场%担保失灵%保证保险%博弈
信貸市場%擔保失靈%保證保險%博弈
신대시장%담보실령%보증보험%박혁
credit market%guarantee failure%insurance guarantee%game
本文对“担保失灵”背景下保险机构开展贷款保证保险业务的一个案例进行了微距观察，基于银保双方权责承担的实际进行了博弈演进分析，提出了银保可重复合作博弈的满足条件，探讨了有关市场主体可选择的定位思路。
本文對“擔保失靈”揹景下保險機構開展貸款保證保險業務的一箇案例進行瞭微距觀察，基于銀保雙方權責承擔的實際進行瞭博弈縯進分析，提齣瞭銀保可重複閤作博弈的滿足條件，探討瞭有關市場主體可選擇的定位思路。
본문대“담보실령”배경하보험궤구개전대관보증보험업무적일개안례진행료미거관찰，기우은보쌍방권책승담적실제진행료박혁연진분석，제출료은보가중복합작박혁적만족조건，탐토료유관시장주체가선택적정위사로。
In this paper, a case of insurance institutions carry out the loan guarantee business under the back-ground of“guarantee failure”is macro observated. A game evolution analysis based on the responsibilities of both banks and insurance companies is undertook. Conditions which can ensure repeated cooperative game are put forward. And optional train of thought is dicussed.
