基于博弈论模型的小额信贷利率分析

中国进行小额信贷试点改革已有两年多的时间。在这期间，中国的小额信贷有了飞速发展。但也依然存在一些问题，如实行贷款利率管制。文章用博弈论模型和经济学方法进行探讨，然后在简要分析了贷款利率过低的弊端后，得出目前小额信贷宜实行高利率的结论，并对未来利率政策方面的调整做了分析。

Micro-credit Interest Rate Analysis Based on the Game Theory

China microfinance pilot reform has been more than two years.During this period,China's rapid development has microcredit.But some problems still exist,such as the imposition of loan interest rates.In this paper,the game theory model and the methods of economics,and then in a brief analysis of the drawbacks of low interest rate loans,microcredit is drawn to a conclusion the high interest rates and interest rate policy in the future to adjust the analysis.