汽车消费信贷风险及其动态博弈分析

随着中国汽车消费市场的逐步升温,汽车消费信贷市场渐成扩张之势,汽车消费贷款已成为继个人住房贷款之后重要的消费信贷品种。与此同时,汽车消费信贷的风险也与日俱增,主要包括信用风险、市场风险和操作风险。通过建立不对称信息动态博弈模型分析了我国现阶段汽车信贷市场中银行和个人消费者的博弈情况,在此基础上提出了完善信贷消费市场的建议:健全相关的法律法规,改善汽车信贷的制度环境;提高汽车信贷专业化水平,完善风险控制;加强银行内部管理,合理利用法律保障手段。

As China＇s automobile consumption market gradually warming up, automobile consumption credit market gradually emerges expansion potential. Automobile consumption loans has become a major individual consumer credit after housing loans. At the same time, automobile consumption credit risks are also increasing, including credit risk, market risk and operational risk. Through the establishment of complete information dynamic game model, we analyze the game of consumers and banks at this stage of China＇ s credit market. On this basis, some ways of improving consumer credit market have been proposed： to perfect relevant laws and regulations; to improve the environment of automobile credit system, the professional level of automobile credit, and risk control; to strengthen the internal management and rational use of legal means of support.