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

被引：0

作者：

Che T.-G. ^{[1
]}

Zhuang X.-T. ^{[1
]}

Su Y.-L. ^{[2
]}

机构：

[1] School of Business Administration, Northeastern University, Shenyang

[2] International Business College, Shenyang Normal University, Shenyang

来源：

Dongbei Daxue Xuebao/Journal of Northeastern University | 2017年 / 38卷 / 05期

关键词：

ESS; Evolutionary game; Micro-credit company; Operating mechanism; Small and micro business;

D O I：

10.3969/j.issn.1005-3026.2017.05.030

中图分类号：

O211 [概率论（几率论、或然率论）];

学科分类号：

摘要：

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. © 2017, Editorial Department of Journal of Northeastern University. All right reserved.

引用

页码：756 / 760

页数：4

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