博弈论视角下的小额贷款公司制度分析  

The Study on Micro-credit Company System with Game Theory

作　　者：刘锐[1] 罗惠媛 闫慧[2] 李之吟 胡超 

机构地区：[1]中国人民银行榆林市中心支行 [2]厦门大学经济学院 [3]中国人民银行铜川市中心支行 [4]中联重科集团

出　　处：《西部金融》2012年第7期58-63,共6页West China Finance

摘　　要：小额贷款公司的出现,不仅健全了我国的金融服务体系,同时也给金融业注入了新的活力。与银行相比,小额贷款公司因其放贷门槛低、手续简便及操作灵活的优点,满足了小微市场经济主体多样化的信贷需求。本文通过分析小额贷款公司同银行的竞争合作机制,从理论上探讨了两者的合作条件。The emergence of micro-credit companies not only improves China＇s financial service system but also injects new vitality to the financial sector. Compared with banks, micro-credit companies meets the diverse credit needs of micro and small market economy entities because of their low threshold, simple procedure and flexible operation. The paper analyzes the cooperation mechanism between banks and micro-credit companies, and discuss the condition for the cooperation between them in theory.

关 键 词：小额贷款公司 博弈分析 竞争合作 

分 类 号：F830.31[经济管理—金融学]