基于演化博弈的农村正规金融与非正规金融合作机制研究  

The Cooperative Mechanism of Rural Formal and Informal Finance Based on Evolutionary Gameindustry

作　　者：沈红丽[1] 李宁[1] 

机构地区：[1]天津商业大学经济学院,天津300134

出　　处：《金融理论与实践》2018年第10期16-23,共8页Financial Theory and Practice

基　　金：天津市哲学社会科学规划青年项目"京津冀生产性服务业与制造业协同:机制;因素与路径"(TJYYQN17-007);2018年天津商业大学SRT计划项目"农村金融主体多样性支持农户创业的机理与成效研究"(201810069164)

摘　　要：正规金融与非正规金融作为农村金融体系中的两大资金供给主体,二者长期共存并相互影响,对农村经济发展起着举足轻重的作用。基于演化博弈视角探讨农村正规金融与非正规金融的动态合作机制并对其演化路径进行仿真模拟。结果表明:双方合作时达到帕累托最优均衡状态;选择合作策略的概率越大,选择该策略的时间也越短;创建良好的合作环境、创新双赢的合作模式、完善合理的激励与约束机制能够减少合作投入成本、增大合作收益、避免单方面选择竞争,进而促进二者相互合作。In rural financial system,formal finance and informal finance are two important parts for capital supply.Formal finance and informal finance coexist long-term and influence mutually,they are essential for rural economic development.Based on evolutionary game,the dynamic cooperative mechanism of formal finance and informal finance is discussed and evolutionary path is studied by computer stimulation.The results show that:firstly,a preferred Pareto-optimal equilibrium can be reached when they cooperate.Secondly,the greater the probability that one chooses the cooperative strategy,the shorter the time that the other chooses the same strategy.Thirdly,we can reduce cooperative cost,raise cooperative revenue,avoid unilateral competition,and then promote the cooperation between formal finance and informal finance by establishing perfect cooperation environment,innovating win-win cooperation modes and optimizing reasonable motivation and restriction mechanism.

关 键 词：农村金融 正规金融 非正规金融 合作机制 演化博弈 仿真 

分 类 号：F830.34[经济管理—金融学]