信贷领域金融消费者权益保护策略的博弈分析

Game Theory of Strategies for Protecting Financial Consumers’Rights and Interests in Credit Field

由于金融机构存在利用经济实力及信息优势侵害金融消费者权益的行为,从而导致金融资源配置难以自发地形成帕累托最优,并破坏了金融生态环境。通过完善金融消费者权益保护机制,可以培育诚信的市场环境,促进信贷市场稳健发展。通过博弈演算,分析了金融机构、金融消费者和监管部门在信贷领域的博弈机理及相互之间的激励约束机制,据此探讨了适应个人理性要求的金融消费者权益保护策略。

Financial institutions abuse their advantages of economic and information to infringing the rights and interests of financial consumers,which not only causes the allocation of financial resource failed to reach Pareto Optimality spontaneously,but also destroys the financial ecological environment.By improving the mechanism of protecting financial consumers’rights and interests,we can cultivate an honest environment of market and steadily promote the development of credit market.By using the game theory,the paper analyzes the game mechanisms,the incentive and constraint mechanisms among financial institutions,financial consumers and the supervision departments in the credit field,and discusses the protection strategies of financial consumers’rights and interests which adapt to individual rationality.