小额贷款保证保险效用之博弈分析

小微企业缺乏优质抵押物,经营稳定性较差,贷款违约风险大,因此融资贵、融资难一直是中小微企业的难题。但如今这个难题正得到缓解,各家保险公司在全国若干城市进行小额贷款保证保险试点,"新国十条"提出加快发展贷款保证保险后,中央层面不断强调保险对企业融资的特殊作用。小额贷款保证保险对小额信贷者、银行都是有利的,关键是保险公司开展此类业务预期收益如何,笔者通过建三方博弈模型,确定小额贷款保证保险为三方带来哪些好处,并对保险公司提出警示,如何科学定价才能确保获益,并在此基础上给出合理化建议,确保小额贷款保证保险稳健发展。

As the small enterprises are in of high risk of credit default, they are always lack of quality mortgage, not stable in business, and are facing the problem financing difficulties. But nowadays, this trouble is being relieved, as the insurance companies are trying out the small loan guarantee insur- ance in various cities. The National Ten Measures for Developing Insurance Industry proposes to speed up the loan guarantee insurance and the central government is constantly emphasizing the special func- tion of insurance on enterprise financing. Small loan guarantee insurance is beneficial to the small loan debtors as well as the bank. The key problem is about the expected profit of this type of business. The author tries to decide what benefits the small loan guarantee insurance will bring for each party by con- structing a three--party game model and give warnings to the insurance companies for a scientific pricing and profit. On the basis of this, the author also gives some reasonable suggestions for the stable devel- opment of the small loan guarantee insurance.