The Game Analysis Of College Student's Integrity On The National Student Loan

Conducting a questionnaire survey of integrity of students in the state student-aided loan, recognizing that students credit exists in the loan system. The integrity deficit of students not only brings the bad influence on his own credit but also hampers other students' rights and benefits.On the basis of studying the assumption of the students' bounded rationality, of students, universities, banks and society knowing each other's strategies, analyzing the students' integrity in the state student-aided loan. Under the full information and in terms of static and dynamic game theory, using the game theory. The existence of students' credit due to many social factors: Low employment rate and poor family is the objective cause of students' integrity deficit and using the "prisoner's dilemma" model to analyze the static gaming between students and universities, to analyze the dynamic gaming between students and banks; The gaming between students and social integrity environment is dynamical and the social integrity environment is the underlying cause of students' integrity deficit; The integrity deficit in students is also the cause of their integrity deficit under students loan; The conflict of means sense and the value sense in the process of state student-aided loan system becomes the obstacle of students avoiding integrity deficit.In view of above, using the gaming theory and neo-institutional economics to improve state student-aided loan from system environment , system and non system building and to improve students integrity. In the system environment building: Building integrity social environment in great effort; Building perfect system of icredere; Building person credit system in the nation and strengthening law security system. Under this system environment and in view of student loan in the foreign countries, proposing new system design: Defining the rights and liability between loan benefit subjects; Extending the period of repayment and adopting the more flexible repayment method to relieve the pressure on students from the environment; Strengthening corporation between banks and universities for promoting the development of loan and ensuring the truth of information offered by students. So it can reduce the possibility of breaking the promise. In the non system: Strengthening the building of integrity moral education to raise the integrity sense of students; Building good society public opinion and nipping the integrity deficit of students in the bud.