商业银行面临企业信用风险的进化博弈分析

本文根据进化博弈理论,运用复制动态方程对商业银行面临企业的经营风险和道德风险进行了深入分析,对于有限理性的经济人来说,进化博弈的最终结果是令人失望的,市场几乎是完全失败的。但是,银行可以通过建立长期稳定的银企相互信任的业务关系和组建银企集团,实现商业银行与企业

Analysing of evolution game on credit venture of commercial bank facing with corporation

Based on the theory of evolution game,the paper analyzes thoroughly corporations' management venture and moral venture that commercial banks are confronted with by using replicated dynamic equation,and the final result of evolution game is disappointing that market is almost absolutely frustrated speaking about the economic agent of limited sense.But banks may evade venture,realize the double win of the both sides of banks and corporations and achieve Pareto optimum in the whole society by establishing the long-term steady operation relationship of trust between banks and corporations and by setting up the group of banks and corporations.