基于多智能体仿真模型的个人征信体系建设研究——以安徽省为例

Research on the Construction of Multi- intelligence Simulated Model-based Personal Credit System——A Case Study of Anhui Province

建立银行间信贷市场模型说明个人与银行进行不同策略的相关影响,再利用博弈论模型的智能体仿真建模方法建模,分别就无信息共享参与、个体之间信息共享、银行间信息共享以及个人与银行间信息共享4种情况进行模拟分析,从而得出相应的结论,最后根据模型分析的结论,结合实际情形,提出相关的政策建议,以推动个人征信体系的发展与完善。

The paper establishes an interbank lending market model to illustrate the related effects when banks and individuals take different strategies. A simulated analysis is made on four kinds of circumstance,i. e. no information sharing,individual information sharing,interbank information sharing,and information sharing between individuals and banks respectively,by using the intelligent body modeling simulation methods from the game theory models.Then the corresponding conclusions are drawn. Finally,according to the conclusions of model analysis,combined with the actual situation,relevant policy suggestions are put forward for promoting the development of personal credit system.