The Game Analyses of the Effect of Bank Claim, Penalty and Compensation to High Educational Aid-Loan

Duo HUANG, Dao-hong ZHANG, Ai-juan CHEN


The paper mainly researches behavior of banks and students which affects the efficiency of Chinese high-educational aid-loan. Using the game theory, the paper analyzes the behavioral selection of bank and students in the domestic process of education aid-loan. The paper emphatically anatomizes the impact of the reliability of the bank’s claim, the intensity of penalty and the degree of the compensation to the behavior of banks and students. Gets the conclusion that, under the condition of the credit system lagging, the government should intervene to reduce the cost of the claim, raise the success probability of the claim and increase the degree of the penalty to the students who default in loan contract,to ensure the healthy development of the education aid-loan.
Key words: Behavior Analysis, Educational Aid-Loan, Game Theory
Résumé: Cet article examine principalement les comportements des banques et des étudiants qui influent l’efficacité du prêt d’études supérieur chinois. Utilisant la théorie du jeu, l’article analyse la sélection comportementale des banques et des étudiants dans le processus du prêt d’études. Il disséque catégoriquement les impacts de la fiabilité de la réclamation de la banque, l’intensité de la pénalité et le degré de la compensation sur les comportements des banques et des étudiants. Il en résulte que, dans le contexte du système de crédit en retard, le gouvernement doit intervenir pour réduire le coût de la réclamation, augmenter la probabilité de succès de la réclamation et élever le degré de la pénalité infligée aux étudiants qui ne s’aquitte pas de leur prêt, et enfin pour assurer le développement sain du prêt d’études.
Mots-Clés: analyse comportementale, prêt d’études, théorie du jeu

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