The Dynamic Game Analysis of National Student Loan Policy

摘要

The national student loan system has been promoted by the way of credit supporting in China since, 1999 because of the massive demands for higher education. During the process of promoting, difficulties appeared in the loan's "Granting" and "retrieving". In the hope of analyzing the key points and questing the loan policy's working status, this paper, combining with the new policy promoted in 2004, discussed the relationship between the bank and the students at the angle of dynamic game theory. And the conclusion reached as follows: the anticipated subgame Perfect Nash equilibrium can be reached by carrying out the new policy and relevant measures. The bank chooses to offer the loan while the student chooses to pay comply with the loan contract.