商业银行不良资产的银企博弈关系分析

我国商业银行不良资产的形成除了历史和体制原因外,银行和企业对不良贷款的不同博弈选择也是造成不良资产的重要原因,分析不良资产的银企博弈关系有利于最终解决我国商业银行不良资产问题。本文从不良资产的银企博弈关系角度出发,运用静态混合战略博弈模型和动态演化博弈模型分析银企之间的博弈行为,并根据博弈分析结果提出相应的政策建议。

ANALYSIS OF GAME RELATIONSHIP BETWEEN COMMERCIAL BANKS AND ENTERPRISES ON BAD ASSETS OF COMMERCIAL BANKS

Apart from the historial and systemical reasons of the bad assets of our commercial banks,the game choices to bad loans by banks and enterprises are also the important reasons of bad assets.Thus,analyzing the game relationships between banks and enterprises is beneficial to the solution of bad assets of our commercial banks.This article starts with the game relationship between banks and enterprises on the bad assets,by the use of static mixed strategic game model and dynamic evolving game model,then analyzes the game behaviors between banks and enterprises,gives the suggestions on the basis of results of game analysis.