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本文在完全非完美信息框架下,运用动态博弈分析了商业银行和房产评估机构的策略选择,证明了在信息和反馈效应下,商业银行与评估机构之间的长期合作策略是子博弈精炼纳什均衡,这对于分析、预测二者行为结果具有借鉴意义。同时指出行业竞争的加强、评估效率的提高、市场环境的稳定以及房产市场的萧条都有利于评估机构提供更加有效的服务。
Under the completely imperfect information framework, this paper analyzes the strategic choices of commercial banks and real estate appraisers by using dynamic game. It proves that under the information and feedback effects, the long-term cooperation strategy between commercial banks and appraisers is the subgame perfect Nash equilibrium , Which is of reference for the analysis and prediction of the results of the two actions. At the same time, he pointed out that the strengthening of industry competition, the improvement of evaluation efficiency, the stability of the market environment and the depression of the real estate market will all help the evaluation agencies to provide more effective services.