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本文运用博弈论方法对商业银行与企业在申请贷款和偿还贷款时的策略选择行为进行了分析,得出目前我国商业银行信贷资金使用效益低下和信贷风险产生的部分原因。文章指出了提高商业银行甄别能力、增加高风险企业的粉饰成本和对违约及弄虚作假企业惩罚力度、加强维护银行债权对防范信贷风险和信贷资金使用达到帕累托最优、促进经济发展的重要性,并建议在银企信贷博弈中商业银行推行占优战略。
This paper analyzes the strategic choices of commercial banks and enterprises when applying for loans and repayments of loans by using game theory, and finds out the reasons for the inefficient use of credit funds and the credit risk in China’s commercial banks. The article points out the importance of improving the screening ability of commercial banks, increasing the whitewashing costs of high-risk enterprises, punishing the enterprises that defame defaults and fraud, and strengthening the protection of bank claims against the risks of credit and the use of credit funds to achieve Pareto optimality and promote economic development , And suggests that commercial banks should implement dominant strategies in the credit game between banks and enterprises.