基于群体博弈理论的个人征信体系构建研究

Research on the Construction of Personal Credit Information System based on Group Game Theory

在群体博弈框架下建设个人征信体系,利于解决我国在个人征信体系上存在的信息共享缺失而导致的信息不对称问题。在此基础上,应全面构建个人信用信息数据库,建立有效的信用监督体系及严厉的奖惩制度,三者有机结合,协调政府及参与各方的利益关系,使个人征信体系能够不断保持生命力。

The construction of personal credit system under the framework of group game is conductive to solving the problem of information asymmetry caused by the lack of information sharing in the personal credit system.On this basis,comprehensive personal credit information database,the effective credit supervision system and the strict rewards and punishment system,the three are organically combined to coordinate the interests of the government and the participating parties,so as to keep the personal credit investigation system alive.