基于博弈论的小额信贷公司可持续经营策略研究  

Research on sustainable management strategy of microfinance company based on game theory

作　　者：游鸽 邓帅[3] YOU Ge;DENG Shuai(School of Management, Jinan University, Guangzhou 510632, China;School of Literature and Media, Nanfang College of Sun Yat-Sen Unviersity;School of Economics and Management, Hunan Institute of Technology, Hengyang,Hunan 421001, China)

机构地区：[1]暨南大学管理学院,广州510632 [2]中山大学南方学院文学与传媒学院,广州510632 [3]湖南工学院经济与管理学院,湖南衡阳421001

出　　处：《华中师范大学学报（自然科学版）》2020年第6期1022-1032,共11页Journal of Central China Normal University：Natural Sciences

基　　金：国家自然科学基金项目(71801105);湖南工学院博士科研启动项目(HQ19004).

摘　　要：在小额信贷市场,小额信贷公司常面临着恐慌性逃债而遭致破产的风险.论文从借款人协调博弈的视角研究小额信贷公司的可持续经营问题,通过设计四种情景下借款人之间的博弈模型,探讨小额信贷公司经济实力与自然经济基本面对小额信贷公司可持续经营概率的影响,以及小额信贷公司可持续经营策略.研究结果显示,小额信贷公司可持续经营性主要受自身经济实力的影响,自然经济对小额信贷公司可持续经营的影响是局部的,仅在弱经济—弱小额信贷公司情景下产生明显作用.同时文章根据研究结论给出了四种情景下小额信贷公司的可持续经营策略.In the microfinance market,microfinance company is at risk of bankruptcy due to panic-stricken debt.This paper studied the sustainable operation of microfinance company from the perspective of borrowers coordination game.By designing the coordination game between borrowers in four scenarios,the impact of microfinance company and natural economy on the probability of microfinance company sustainable operation was explored,and the strategies of microfinance company sustainable operation in four scenarios were discussed.The results show that the microfinance company sustainable operation is mainly affected by their own economic strength.The impact of natural economy on the microfinance company's sustainable operation is partial,and it only plays a significant role in the weak economy and weak microfinance company scenario.Furthermore,the sustainable operation strategies of microfinance company in four scenarios are put forward.

关 键 词：借款人 小额信贷 博弈论 可持续 经营策略 

分 类 号：F830[经济管理—金融学]