农村金融机构与农户借贷行为的博弈分析

Game Analysis of the Lending Behavior of Rural Financial Institutions and Farmers

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。

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.