摘要
在汽车金融市场中,汽车金融公司和客户之间的交易行动可以看成是一种博弈,通过运用博弈的分析理论,对我国汽车金融市场中的信用主体即汽车金融公司和客户的行为及其市场均衡进行了研究分析,个人信用意识淡薄、个人征信体系、信用评估体系和信用法治体系不完善、汽车金融公司自身的信用风险管理体系落后,是我国汽车金融信用风险加剧的根本原因。如何降低汽车金融的信用风险,已经成为我国汽车金融公司尚待解决的问题。从动态博弈的分析入手,并针对性采取一系列对策建议,才能使我国汽车金融业顺利发展。
In the automotive financial markets, the transactions between auto financial companies and customers can be seen as a game, through the use of game theory analysis, this paper analyzed the behaviors of credit subjects in our country＇s auto financial market, namely, auto financial companies, and their market equilibrium. Weak awareness of personal credit, incomplete personal credit information, incomplete credit assessment system, and incomplete legal system, and backward credit risk management system are primary causes. How to reduce credit risk of auto finance has become the problem of our country＇ s auto finance companies waiting for solution. Starting with dynamic game analysis and taking a series of relevant policies and suggestions can have our country＇s automobile finance industry obtain the smooth development.
出处
《企业经济》
北大核心
2012年第3期164-167,共4页
Enterprise Economy
基金
上海市教委重点学科建设项目"经济系统的运行与调控"(批准号:J50504)
关键词
汽车金融
信用风险
博弈分析
automotive finance
credit risk
game analysis
