东北大学学报（自然科学版）

东北大学学报:自然科学版 ›› 2017, Vol. 38 ›› Issue (5): 756-760.DOI: 10.12068/j.issn.1005-3026.2017.05.030

• 管理科学 • 上一篇    

基于演化博弈的小额贷款公司运行机制研究

车泰根1， 庄新田1， 苏艳丽2   

  1. (1.东北大学 工商管理学院， 辽宁 沈阳110819; 2.沈阳师范大学 国际商学院， 辽宁 沈阳110034)
  • 收稿日期:2015-12-25 修回日期:2015-12-25 出版日期:2017-05-15 发布日期:2017-05-11
  • 通讯作者: 车泰根
  • 作者简介:车泰根(1979-)，男，辽宁沈阳人，东北大学博士研究生； 庄新田(1956-)，男，吉林四平人，东北大学教授，博士生导师.
  • 基金资助:

    国家自然科学基金资助项目(71671030，71571038)； 辽宁省社科规划基金资助项目(L15BJY020).

Micro-credit Companies’ Operating Mechanism Based on Evolutionary Game Theory

CHE Tai-gen○1， ZHUANG Xin-tian1， SU Yan-li2   

  1. 1. School of Business Administration， Northeastern University， Shenyang 110819， China; 2. International Business College， Shenyang Normal University， Shenyang 110034， China.
  • Received:2015-12-25 Revised:2015-12-25 Online:2017-05-15 Published:2017-05-11
  • Contact: CHE Tai-gen
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摘要：

通过建立小额贷款公司与小微企业演化博弈模型，研究小额贷款公司的运行机制.研究表明:在贷款方式上，小额贷款公司应经营担保贷款;在担保机制上，采取差额担保方式;在风险分类及识别上，以项目平均成功率、利率、担保率之间关系作为评判标准;在贷款指标上，对优质小微企业采用担保率区间管理，降低利率，对一般小微企业采取担保率、利率边界管理，实际值向上接近边界值;在外部政策上，通过政策降低第三方担保费率.

关键词: 小额贷款公司, 小微企业, 演化博弈, 演化稳定策略, 运行机制

Abstract:

By establishing the evolutionary game model for micro-credit companies and small and micro businesses， the operating mechanism of micro-credit companies was analyzed. It was found that in the patterns of lending， micro-credit companies should manage guaranteed loans; in the guarantee mechanism， micro-credit companies should adopt shortfall guarantee; in the risk classification and identification， the judgment criterion should be the relationship among average success rate， interest rate， and guarantee rate of small and micro businesses’ investment projects; in the loan index， the high-quality small and micro businesses should be entitled to the interval management of guaranteed rates and reduced interest rates， while for the ordinary small and micro businesses the border management of guarantee and interest rates should be adopted， and the actual value should be up close to the boundary value; in the external policy， the third-party guarantee rates should be reduced through policy making.

Key words: micro-credit company, small and micro business, evolutionary game, ESS, operating mechanism

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