金融理论与实践
金融理論與實踐
금융이론여실천
Financial Theory and Practice
2009年
2期
25~27
,共null页
农村金融机构 农户 借贷行为 博弈论
農村金融機構 農戶 藉貸行為 博弈論
농촌금융궤구 농호 차대행위 박혁론
Rural Financial Institutions; Farmers; The Lending Behavior; Game Analysis
农村借贷市场中金融机构和农户之间的借贷行为事实上是一个博弈的过程。本文通过运用博弈论，构建农村金融机构与农户之间借贷行为博弈模型，对金融机构和农户之间存在制约条件下的行为及可能产生的结果进行博弈分析。同时根据博弈分析结果，对农村金融发展提出建立农户个人信用体系等建议。
農村藉貸市場中金融機構和農戶之間的藉貸行為事實上是一箇博弈的過程。本文通過運用博弈論，構建農村金融機構與農戶之間藉貸行為博弈模型，對金融機構和農戶之間存在製約條件下的行為及可能產生的結果進行博弈分析。同時根據博弈分析結果，對農村金融髮展提齣建立農戶箇人信用體繫等建議。
농촌차대시장중금융궤구화농호지간적차대행위사실상시일개박혁적과정。본문통과운용박혁론，구건농촌금융궤구여농호지간차대행위박혁모형，대금융궤구화농호지간존재제약조건하적행위급가능산생적결과진행박혁분석。동시근거박혁분석결과，대농촌금융발전제출건립농호개인신용체계등건의。
In rural lending market, the lending behavior between financial institutions and farmers is a game process. This paper builds a game model on the basis of lending behavior between rural financial institutions and farmers adopting game theory, and analyzes the behavior of both sides and the possible results under the constraints. Finally, according to the results of the game analysis, some suggestions are made such as to establish a farmers＇ individual credit system so to improve the development of rural finance.
