基于信息不对称视阈的信贷问题博弈分析

Game analysis of credit problems based on the view of information asymmetry

基于中国农业银行甘肃省分行与中小企业信贷关系,运用博弈理论分析在信息不对称情况下两者之间的信贷问题。结果表明,甘肃农行的决策行为会影响中小企业贷款的成功率,中小企业尽可能完全的信息披露会更容易得到甘肃农行的信贷资金。

Based on the credit relationship between Gansu Branch of Agricultural Bank of China and small and medium-sized enterprises（SME）, we analyze the credit problems with game theory under condition of asymmetric information. The results indicate that the decision-making behavior of the Branch may affect the success rate of SME loans. The information disclosure of the SME may more likely get the Branch credit funds.