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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The goal of the economic system reform of China is to set up the socialist market economy with Chinese characteristics. Market economy is an economic system that market is the main way to distribute the social resource. Market economy is a kind of contract economy, and credit is its foundation. So, it becomes an important stage in the economic system reform course of China that setting up a social environment of stressing credit. The credit environment in the range of the whole society includes the contents of three respects: Public Credit, or call it the Government Credit, Business Credit and Personal/Consumer Credit.
Personal credit consumption is one of the concrete expression forms of Consumer Credit. It development will promote the development of Consumer Credit further, and will be favorable to the building-up work of the credit environment of the whole society too. At the same time, the consumer market of China transformed seller's market from buyer's market from the second half of 1996, the economy of China has been facing the problem that the effective demand is insufficient. This has influenced the development of national economy to a certain extent. Personal credit consumption which can transfer future consumption into immediate consumption will improve the immediate consumption demand, and expand the immediate consumer market, and stimulate immediate economic development.
Personal credit consumption has a history of more than 100 years in the West, and China's modern consumer credit began in 1987, signed by the housing mortgage loan of China Construction Bank. Although China's consumer credit has gained a great development, and there have been all kinds of credit facilities for consumer in the market, but the development level of China's personal credit consumption is still low. In developed countries, personal credit loan is a main revenue source to commercial banks, but in China's commercial banks, the personal credit loan is one percent of their total loan, and the revenue from the personal credit is much lower than those commercial banks' in developed countries. At present, the main personal credit facilities are still only limited to Personal Housing Loan, Personal Automobile Consumption Loan, Education Loan, and Daily Consumption Loan in China, even if credit card, rely mainly on debiting to type credit card (the real credit card is a remembering type credit card of the loan). …