基于信号传递模型的医院商业信贷融资博弈研究.pdfVIP

(t+J因卫线经济》第 28 卷魏6 期(总第 316 期) 2∞9 f1: 6 同 基于信号传递模型的医院商业信贷融资博弈研究* .四SJZ飞 15鹏璐P 摘 要:基于商业信贷融资成为现阶段非营利性医院最主要外源性融资方式的现状，为防范医院经营风险和银行 信贷风险，本研究应用博拜伦J.!.论对自且院商业仿贷过程进行了分析，。首先，构建了医院商业信贷的不究会信息动态博 弈信号传递模型;其次，给出了该博弈的精练贝叶斯纳什均衡解;最后，提出了博弈双方及政府在医院信贷过程中的 博森策略。 关键词:~院融资;商.:11:.信贷:博弈论;不完全信息动态博弈;信号传递模型 中图分类4寄:民197 文献栋识码:A 文章编号: 1ω3-0743(2∞9)06-(沁23叫05 Study 00 the Game of Fiduciary Loan io Hospital Finaocing Based 00 Si伊aling Games ModellDONG Si-ping, FANG Peng叫ian//Chinωe Health Ecooomics. 2制9.28(6):23明27 Abstract: ln view of the fact that fiducíary loan has become the main extemal way of hospital financing; we analyzed the process of fiduciary loan in hospi时 with the Gωne Theoryωcontrol the operating ri蚀。f the hospital and the bank: The si伊aling 伊rnes model of dynamic g创肘。f incomplete infonnation of ho叩ital fiduciary loan w翩翩 up，伽e perfect Bayesian 呵uilibrium of this game was deduced, and then some strategy was suggested for hospital, bank and govemment. Key words: hospital financing; fiduciary 1侃n; game theory; dyn刷níc game of incomplete information; si伊aling games model First 剿.authors address: Center for Hospital Management and Development, Tongji Medical College, Huazhong University of Science Technology, Wuhan , 43∞30 ， China Corrωpondi吨 au曲。r: FANG Peng甲qian. 应-mail: pfang@mails.tjmu.edu.cn 随着政府对非营利性庭院财政投入的萎缩，非铐利性医 本课题调夜资料表明，在众多外糠性融资方式中，银行 院建设和发展面临较大的资金缺口和压力，其中非营利性综 商业信贷成为现阶段医院最主要害的融资方式。银行商业信贷 111 合阪院负债不断增加，截至 2ω6 年，总负债率约为 30% 0 是一种借贷关系.它一方面具备安会、稳定、商额、简便等 本课题抽样调查和访谈结果显示. 839岛的调查医院都而临较