农村非正规金融存续与发展的博弈分析——基于金融生态主体发展失衡的视角

从中国农村金融生态主体非均衡发展的视角构建分析框架，为优化农村金融生态主体行为提供理论借鉴。通过不完全信息动态博弈法对农村金融生态主体行为进行分析，并寻找地方政府、非正规金融机构以及各类借款人的最优均衡。指出地方政府在农村非正规金融的形成与发展中的重要作用。而由于博弈次数与惩罚力度的不同，农村借款人的策略选择也影响到农村非正规金融业务的开展。最后，对农村金融生态主体的选择进行分析，并提出合理的对策建议。

Game Theory Analysis of the Existence and Development of Rural Informal Finance-from the Perspective of Rural Financial Ecology Uneven Development

Under the viewing angle of the entities of rural financial ecology uneven development,the paper constructed analytical framework,and offered reference on optimization the behavior of the entities of rural financial ecology.Using the dynamic game theory with imperfect information,the entities behavior of rural financial ecology was analyzed,and the optimal equilibrium between the local government,informal finance and types of borrowers were found.The important role of local government in the formation and de...