个人信用保证机制的征信制度和诉讼制度比较研究

征信体系通过建立一种声誉制度,促进人类合作、提高群体成员效用和福利。个人信用保证机制的征信制度和诉讼制度哪个成本更低、相对价值更高需要客观分析。在完全竞争的信贷市场研究场景下,声誉机制有引致合作行为的能力;扩展博弈下,诉讼制度的威胁使得借贷者施加一个高的努力程度,提高了社会总剩余。基于现代信息技术的声誉机制出现以后,存在于每个银行内部的声誉就变成了一个统一、全范围扩展的声誉机制,所以声誉制度比诉讼制度可以获得更高的社会总剩余。

Comparative Research on Credit System and Lawsuit System about Personal Credit Guarantee Mechanism

Credit system is via building a sort of reputation system to accelerate human cooperate level and increase avail and welfare of colony member.It requires impersonality analysis which is much low in cost or more high on relative value about credit system and lawsuit system in personal credit guarantee mechanism.In studying scene of a full competitive market,reputation mechanism has ability of leading to collaborate behavior;in a extend game,threaten from lawsuit system makes sure that the borrower bear a hig...