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消费信贷作为消费信用形式之一,是市场经济条件下利用信贷手段促进消费品购买的重要方式。在我国,由于市场机制不完善,信用程度不高,致使银行和消费者在消费信贷时面临较大的风险。借贷任一方的行为决策都要考虑对方未来行为的各种可能性及后果而作出选择,而这种决策又依赖于双方所掌握的信息。为此,利用博弈理论,根据信息是否对称,分析完全且完美信息和完全但不完美信息两种情况的信贷行为。
As one form of consumer credit, consumer credit is an important way to promote the purchase of consumer goods by means of credit under market economy. In our country, due to imperfect market mechanism and low credit level, banks and consumers are exposed to greater risks in consumer credit. The decision-making by either side of the lender takes into account the various possibilities and consequences of each other’s future behavior, which in turn depends on the information available to both parties. To this end, the use of game theory, based on whether the symmetry of information, analysis of complete and perfect information and complete but not perfect information two cases of credit behavior.