林业经济
林業經濟
임업경제
Forestry Economics
2015年
6期
57~60
,共null页
林权抵押贷款 贷款可得性 贷款利率 博弈
林權牴押貸款 貸款可得性 貸款利率 博弈
림권저압대관 대관가득성 대관리솔 박혁
forest right mortgage loan; loan availability; lending rates; Game Theory
文章从贷款可得性和贷款利率两方面分析林权抵押贷款,分别运用进化博弈和不完美信息动态博弈模型;影响贷款可得性最重要的因素是抵押物——林权的变现能力,加强林权担保效力能够使贷款可得性趋于完全;影响贷款利率最重要的因素是借贷双方的信息不对称程度,在信息不对称消除前,存在合理利率决定机制使借贷双方都得益。
文章從貸款可得性和貸款利率兩方麵分析林權牴押貸款,分彆運用進化博弈和不完美信息動態博弈模型;影響貸款可得性最重要的因素是牴押物——林權的變現能力,加彊林權擔保效力能夠使貸款可得性趨于完全;影響貸款利率最重要的因素是藉貸雙方的信息不對稱程度,在信息不對稱消除前,存在閤理利率決定機製使藉貸雙方都得益。
문장종대관가득성화대관리솔량방면분석림권저압대관,분별운용진화박혁화불완미신식동태박혁모형;영향대관가득성최중요적인소시저압물——림권적변현능력,가강림권담보효력능구사대관가득성추우완전;영향대관리솔최중요적인소시차대쌍방적신식불대칭정도,재신식불대칭소제전,존재합리리솔결정궤제사차대쌍방도득익。
This paper describes the availability and rates of forest right mortgage loan, using the evolutionary game model and the complete but imperfect information dynamic game model. The liquidity of forest rights is the most important factor in loan availability. Strengthening the liquidity of forest rights can make loan availability more perfect. And the information asymmetry between lenders and borrowers is the most important factor in lending rates. A reasonable interest rate decision mechanism can be found before information asymmetry disappears.
