Analysis Of The Credit Imbalances Based On Evolutionary Game

In our country's market transaction, credit occupies an important position. Credit transaction's appearance not only makes credit transaction's cost decline, but also reduces the transaction's time, which accelerates economic growth. Credit transaction is double-edged sword. Thou credit transaction accelerates economic growth, but makes the market flooded with credit imbalances. In the market economy, the credit imbalance has been making great loss to the economy. Credit imbalance issue has caused widespread concern in the community, now the rise of evolutionary game theory provides a good research theory for scholars. Using evolutionary game theory research credit the imbalances will enable us to see the evolution of the credit balance more clearly.In the first chapter, we not only introduce the research background which is a credit imbalance in the market environment, but also summarize the status of the credit imbalance. We also analysis the reasons of Choosing credible or dishonest based on cost-benefit aspects. Everyone has self-interest of the subconscious. When a strategy's cost exceeds its revenue, people will give up this strategy, otherwise people will take this strategy. In this paper, we use evolutionary game theory model as a research method. Evolutionary game theory which is more cutting-edge, is a branch of the emerging field of game.In the second chapter, we not only introduce the research status of credit and the basic characteristics of evolutionary game theory and its two core theories briefly, but also compare the evolutionary game theory and traditional game theory. Compared with the traditional game theory, evolutionary game theory has made great improvements. It assumes rational participants is limited and studies groups. This theory imports the evolution of biology, it also combined "natural selection, survival of the fittest" theory of the biological evolution with game theory perfectly. There are many scholars researched imbalance of credit based on the traditional game theory early. However, due to the limitations of traditional game theory, the research results are not close to reality.In the third chapter and the fourth chapter, this paper assume the main factors that affect the evolution of stable points which include dishonesty's gains, outside punishment, government's reward to honesty. This paper use ESS and RD to obtain a stable equilibrium point of the evolution of the system. When the parameters take different values, we obtain different stable equilibrium points of the evolution of the system. In order to observe evolutionary process more intuitively,we use Matlab software to simulate the evolutionary process. We assume dishonesty's gains and government's reward to honesty to take a certain value, to take a variable. When outside punishment takes different value, we obtain different stable equilibrium points. We can gain this conclusion: when outside punishment is large, all the people are honest; when outside punishment is moderate, some people is honest, the other people are dishonest; when outside punishment are small, all the people are dishonest.Finally, this paper use chapters third and fourth's stable equilibrium points of system obtain the factors that affect the system stability, and propose corresponding measures. This makes reader get a better understanding about the game psychological of player and game process. We can choose the most beneficial measures to stop the dishonesty in the game. This will make credit get a balance state.