商业研究

商业研究

• 商经理论 • 上一篇    下一篇

基于动态博弈的网络联保贷款模式发展策略研究

王珊君1，孙宝文2，李永焱3   

  1. （1.宁夏财经职业技术学院 科研处，宁夏 银川 750021； 2.中央财经大学 中国互联网经济研究院，北京 100081； 3.中国人民银行 营业管理部，北京 100045）
  • 收稿日期:2015-04-01 出版日期:2015-09-10
  • 作者简介:王珊君（1976-），女，宁夏中宁人，宁夏财经职业技术学院科研处副教授，中央财经大学信息学院博士研究生，研究方向：电子商务、信息管理、互联网经济、互联网金融。

Research on Network Group Lending Development Strategy based on Dynamic Game

WANG Shan-jun1,SUN Bao-wen2,LI Yong-yan3   

  1. (1.Department of Science and Research, Ningxia Finance Economics Professional Technology Institute,Yinchuan 750021,China; 2.China Center for Internet Economic Research, Central University of Finance and Economics, Beijing 100081,China; 3.Operations Office, the People′s Bank of China,Beijing 100045,China)
  • Received:2015-04-01 Online:2015-09-10

摘要： 网络联保贷款具有服务小微企业的良好基础，通过构建面向小微企业网络联保贷款模式的动态博弈分析框架，本文对联保贷款与网络联保贷款进行博弈分析，发现在市场封闭的环境下发展网络联保贷款的优势在于建立有效的激励与惩罚机制，网络联保贷款发展的关键在于金融机构与电子商务平台如何有机结合，并为服务对象提供优质的信贷服务。

关键词: 网络联保贷款, 动态博弈, 发展研究

Abstract: The network group lending has a good foundation to service for SME, through constructing network group lending model of dynamic game analysis framework in the small and micro enterprises and contrasting group lending with network group lending, the paper found the advantage of developing network group lending is to establish effective incentive and punishment mechanism in market closed environment; the key of developing the network group lending is how to combine financial institutions and e-commerce platform, and provide quality credit services.

Key words: network group lending, dynamic game, development research