The Game Analysis And Advise On System Construction Of Individual Credit In Our Country

Credit is an outcome of humanity civilization, and is the social relation in essence. It belongs to the category of the humanity moral, and also belongs to the categories of economics and superstructure. It, which controls the elasticity and exaggeration of the whole credit system, is the base of the whole system of the credit and the key diathesis of whether economy can develop well. The situation of credit system is in disorder and status of individual credit is in deterioration at present time make us pay too much economical cost and social cost. Therefore, to study the causation of individual to keep or to break his/her faith is very important to discuss how to better the situation of individual credit in our country, how to establish the suitable system of individual credit and how to promote the development of economy. This article gets going from reviewing the meaning and development of credit and contrasts traditional thoughts and cultural of credit in the west and in the east to explain the history of credit in the west and in the east, which shows us that there are not only intercommunity and also difference caused by difference in background of cultural and idea of value. This settles a base for the article and is a character of it.On the base of studying the situation of individual credit in our country, the article also probes into the causation of absence of individual credit and figure out the causation can be discuss from history, traditional psychology, circumstance and system, which infect one another, restrict the development of connection of individual credit, and worsen the situation of it. For these reasons, the resource of individual credit is left unused, and in the same time the situation of individual credit gets worse , and cause a disorder in the system of individual credit in our country.The article pays attention on the angle of economics and use the theory of method of games. From once game to repeated game, evolution game, imperfect game, and supervised game, the article demonstrate step by step that individual would obey the rule of pursuing the maximum of personal profits and inevitably choose break his/her faith; While in the well done system of supervising the situation of individual credit, the situation can be bettered by alter his/her profit. The article also illustrates to establish the system of individual credit is the only way to better the situation of individual credit and to promote the development of economy. To explain individual economic action by game theory is the main innovation of this article.In addition, By analyzing the obstacle on the way of constructing the system of individual credit and several mature systems in the west developed country and connecting with the characteristic of lopsided development in different place in our country, the article discusses the suitable model of management of individual credit for our country, and analyze how to construct the system of individual credit in four sections. The article advises to establish independent institution in the east developed area, which leaded by the Central Bank, coordinated by the government which makes it possible to collect the information of individual credit by legislation, arrange and valuate these information. In the west, an association of bank, which composed by the five big banks and supervised by the Central Bank, should be found. The association should provide service to those who need information urgently. Next step of the association is to provide countermeasure including all kinds of information of individual credit. This is another innovation of the article.