Research on Consumer Credit with Game Theory: a Case of China’s Consumer Credit

Li-fu GUO, Gang CHEN, Yue WANG


This article introduces the development of China’s consumer credit, and analyses consumer credit behaviors with three game theory models, including fundamental game theory model of consumer credit behavior, improvement game theory model and repeated game model. Though analyzing these models, the article obtains the operating mechanism of consumer credit, and comes to conclusion that the complete sharing of consumer credit information in society is the technical support to develop consumer credit, and building Personal Credit Information Management System as soon as possible is the most urgent affair to the development of China’s consumer credit now.
Key words: consumer credit, game theory, consumer credit information
Résumé: L’article présente le développement de la consommation à crédit de la Chine et analyse les comportements de consommation à crédit avec trois modèles de la théorie du jeu, à savoir le modèle de la théorie du jeu fondamental, le modèle de la théorie du jeu amélioré et le modèle de la théorie du jeu répété. A travers l’analyse de ces trois modèles, l’auteur trouve le mécanisme opératoire de la consommation à crédit et tire la conclusion que le partage des informations sur la consommation à cédit dans la société constitue le support technique du développement de cette consommation et que l’établissement du Système de Management de l’Information sur le Crédit personnel le plus vite possible est l’affaire la plus urgente dans le développement de la consommation à crédit de la Chine.
Mots-Clés: consommation à crédit, théorie du jeu, information sur la consommation à crédit

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