基于博弈理论的企业商业信用风险研究

Research of Business Trade Credit Risk Based on the Game Theoretic

信用风险已成为企业经营管理中重要的一部分,直接影响企业持续经营的能力。如何防范信用风险的发生已成为企业极为迫切的需求。从交易的角度对信用风险的产生进行表述,然后进一步采用博弈论模型对其原因进行剖析,从而得出信息不对称和失信惩罚机制不完善是信用风险产生的主要原因,并针对其原因提出对策。通过研究,以期对企业在信用风险的管理和防范上起到一定的指导作用。

The credit risk has become an important business risk,impact on business continuity management capability directly.How to prevent the occurrence of credit risk has become an impending need.The article expressed the generation of credit risk based on the transaction view,and then further use of game theory models to analyze its causes,the main reason arise the credit risk is to arrive asymmetric information and lose the trust of punishment mechanism,Combine to aim at its reason submission counterplan.Through this research,with a view of business in credit risk management and prevention must play a guiding role.