银行间建立信息共享机制的博弈分析

Game Analysis of Establishing Information Sharing System among Banks

信息不对称是信贷配给形成的重要原因,缓解银企之间的信息不对称可以缓解信贷配给。银行之间可以通过建立一个信息共享机制,获取更多的信息,以缓解信息不对称。本文通过银行之间的利益博弈分析了信息共享机制建立的困难所在,认为在无限重复博弈中,银行之间的合作可以成为均衡解,但是银行之间的信息不对称引发“搭便车”现象,成为机制建立的一大难题。

Information asymmetry is the main cause of the credit rationing. Relieving the information asymmetry between banks and enterprises will ease the credit rationing. Through establishing an information sharing system among banks, more information can be obtained to relieve the information asymmetry. This article analyzed the benefit game among banks, and found the difficulties of establishing the sharing system. It believed, in the infinite repetition of game, cooperation among banks could reach equilibrium solution, but the information asymmetry among banks would lead to a＂ hitching a ride＂ phenomenon, which would become a thorny problem in establishing the system.