基于动态博弈的网络联保贷款模式发展策略研究  

Research on Network Group Lending Development Strategy based on Dynamic Game

作　　者：王珊君[1] 孙宝文[2] 李永焱[3] 

机构地区：[1]宁夏财经职业技术学院科研处,宁夏银川750021 [2]中央财经大学中国互联网经济研究院,北京100081 [3]中国人民银行营业管理部,北京100045

出　　处：《商业研究》2015年第9期78-82,共5页Commercial Research

摘　　要：网络联保贷款具有服务小微企业的良好基础,通过构建面向小微企业网络联保贷款模式的动态博弈分析框架,本文对联保贷款与网络联保贷款进行博弈分析,发现在市场封闭的环境下发展网络联保贷款的优势在于建立有效的激励与惩罚机制,网络联保贷款发展的关键在于金融机构与电子商务平台如何有机结合,并为服务对象提供优质的信贷服务。The network group lending has a good foundation to service for SME,through constructing network group lending model of dynamic game analysis framework in the small and micro enterprises and contrasting group lending with network group lending,the paper found the advantage of developing network group lending is to establish effective incentive and punishment mechanism in market closed environment; the key of developing the network group lending is how to combine financial institutions and e- commerce platform,and provide quality credit services.

关 键 词：网络联保贷款 动态博弈 发展研究 

分 类 号：F49[经济管理—产业经济]