关键词: 博弈, 银行责任延伸, 价值增值, 传导利率, 协调机制, 决策模型

Abstract: Assnning extended responsibility is a key representation of undertaking social responsibilities. It's critical in solving regional credit insufficienly as well. This research analyzes the effect of undertaking or refusing the extended responsibility for both banks and non-bank financial institutions in credit cycle system. We establish six decision–making environment models for integrated and diversified decisions. The analysis gives an optimal decision and evaluates the social and economical effects of each model. Through introducing interest rate conduction, this paper discusses the function of interest rate in guiding participants to undertake their extended responsibility in both integrated decision and diversified decision. It analyzes the realization conditions of interest coordination in credit cycle system.The results indicocte that, compared with the behavior of refusing responsibility, both the social and economical return of the whole system will be greater when baks assum extended responsibility in six decision-making environments, and the return will greater when banks assum extended responsibility than commitment. This research comes to the conclusion that the system return is optimiged in assuming extended responsibility in integrated decision, and the Pareto improvement of participants' economical returns and the coordination of all game parties can be realized by interest rate mprovemedt.

Key words: game, extended bank responsibility, value added, conduction interest rates, coordination mechanism, game model