抵押物处置与农房抵押贷款困境：基于演化博弈的分析

研究目的:分析农民住房财产权抵押(简称农房抵押)贷款困境的主要原因以及抵押物处置对农房抵押贷款行为的影响机理。研究方法:演化博弈论。研究结果:农房抵押贷款发展面临困境的关键在于金融机构惜贷,而抵押物处置难是激发金融机构惜贷的重要原因,但是降低抵押物处置难度只是推动农房抵押贷款发展的必要而非充分条件。研究结论:要促进农房抵押贷款发展,除了必须降低抵押物处置难度外,还需要构建完善的农房抵押贷款制度体系。

Collateral Disposition and Dilemma of Peasant Housing Property Mortgage Loan: An Evolutionary Game Theory Analysis

The purpose of this paper is to explore the main reasons regarding the poor performance in peasant housing property mortgage(PHPM). The mechanisms of collateral disposition effect on PHPM behavior of peasants are analyzed based on the evolutionary game theory. The results show that the financial institutes reluctant to lend is the key reason of poor performance in PHPM, mainly resulting from the difficulty of collateral disposition. However, reducing the difficulty of collateral disposition is a necessary but not a sufficient condition to promote PHPM. In conclusion, to promote PHPM, the difficulty of collateral disposition have to be relieved and a perfect system of PHPM should be established.