摘要
本文建立了政府、农户、金融机构三方动态博弈模型,将"社会合意"理念纳入动态反向归纳分析,得出兼顾社会合意和参与者利益最大化的博弈决策条件及博弈策略组合。结果显示:建立和完善政府激励考核机制,提升试点业务支持地方经济发展质效;降低业务办理成本,加大农户失信惩戒力度;降低农房处置成本,维护金融债权等因素对促成"社会合意"策略至关重要,并由此提出了政策建议。
In this paper, a dynamic game model of three parties, the government, the farmer and the financial institution, is established. The concept of ＂socially eonsensual＂ is included in the dynamic reverse induction analysis, The game conditions and strategy combinations that give consideration to both social consensus and the maximization of the participants＇ interests. The results show that： Establishing and perfecting the government incentive and assessment mechanism, Upgrading the quality and efficiency of the pilot business to support local economic development; Reducing the cost of business handling, and increasing the punishment of farmers＇ dishonesty; Reduce the disposal cost of housing, maintenance of financial creditor＇s rights... , such factors are crucial to the promotion of ＂socially consensual＂ strategies. Finally put forward policy recommendations.
作者
刘树新
Liu Shuxin(Meizhou Central Sub-branch,the People＇s Bank of Chin)
出处
《金融发展评论》
2018年第4期116-125,共10页
Financial Development Review
关键词
农村金融
农房抵押贷款
社会合意
动态博弈
Rural Finance
Rural Housing Mortgage Loans
Social Consensus
Dynamic Game
