银行惜贷现象的博弈论解释

Games Analysis On Credit Squeeze of Bank

通过分析我国的投融资体制改革对银行及国有企业目标取向及行为机制的影响 ,并建立二者之间的不完全信息动态博弈模型。据此 ,为目前我国的银行“惜贷”现象寻求另一种可能的解释 ,并就各主要因素对银行借贷行为的影响机制进行了深入的分析。

Based on the analysis of credit behavior between bank and enterprise,we studied the phenomenon of credit squeeze of bank,established the incomplete information dynamic games model,discussed main influential factors in the equilibrium solution,and obtained some valuable conclusions.