曲线贷款视角下信用卡分期业务及银行博弈策略分析

Analysis on credit card installment business and bank game strategy from the perspective of curve loan

信用卡目前在我国发展态势良好,在利率市场化改革进程中,手续费及佣金净收入在银行的利润贡献中占有日益重要的角色,其中,信用卡分期手续费的贡献不容忽视。本文基于曲线贷款视角,对我国信用卡分期业务进行分析,并通过博弈论分析银行在开展信用卡分期业务方面的纯策略选择及信用卡分期业务优惠方面的混合策略选择。

The credit card installment business is prosperous although it starts relatively late in China. Inthe process of market-oriented interest rate reform, service charge and net commission income play anincreasingly important role in the bank＇s profit. The contribution of credit card installment fees should notbe ignored. This paper, from the perspective of curve loan, analyzes credit card installment business andexplores pure strategy selection of bank and mixed strategy selection of credit card installment businessthrough game th eory.