农村信用社小额贷款信用风险管理博弈分析

通过建立博弈模型,对农村信用社和贷款农户交易行为的博弈分析,发现贷款额度、违约成本、贷款追讨成功率、正常履约收益是影响违约行为的主要因素。为防范信用风险,农村信用社必须转变经营理念,改革管理体制,建立一个长期的切实可行的农户信用评级制度,提高风险管理能力和水平。同时,需要中央政府和地方政府增加对农业、农村、农民的扶持,优化农村金融环境,给农村信用社的经营提供有力支持,促进其长期稳健发展。

Game Analysis of Credit Risk Management in Rural Credit Cooperatives

Through building a game model,a Game analysis is carried out on the transaction behavior between rural credit cooperatives and the farmers asking for a loan.It is found that four main factors affecting defaults on loan contracts: the loan amount,default cost,successful return rate,and the normal implementation profit.To prevent credit risks,rural credit cooperatives must transform the business philosophy,reform the management system,and build a long-term,feasible credit assessment system for rural households to raise their risk management capability.In addition,governments at all levels need to enhance aid to agriculture,rural areas and rural residents;make better rural finance environment;and offer powerful support to rural credit cooperatives to facilitate their steady development in the long run.