Game Analysis Of The Subjects Behavior Of Hei Long Jiang Province Rural Financial Risk Based On Balanced Interest

In 2017,both the central committee and the two sessions have attached great importance to the issue of agriculture,rural areas and farmers,and put forward a series of policy recommendations on related issues.Heilongjiang province actively responded to an appeal by the state,to carry out the situation in view of the No.1 in the central and corn acquisition work,related leaders deeply,beian,suihua,heihe city,field investigation,and related seminar,actively listen to large grain,farmers’ professional co-operatives,representatives of enterprises,put forward the solution to the problems,in order to promote the rapid development of modern agriculture in heilonjiang province.The rapid development of agricultural modernization in heilongjiang province,can not do without the effective support of rural finance,in recent years,rural finance on the structure,scale and efficiency in heilongjiang province has a bigger development.However,the rapid development of rural finance in heilongjiang province also carries a large risk,and the corresponding risk management mechanism is not sound.Though the country put forward many Suggestions to the development of rural finance,but because of the small rural financial capital amount and great risk makes it difficult to meet the conditions of the rural financial institutions issue loans,can lead to the development of rural finance from imbalanced supply of and demand for short-term growth imbalance between supply and demand.In addition,the large state-owned commercial Banks have to cancel business outlets in the countryside,the rural financial phenomenon of shifting away from rural,rural finance can not well support the development of local rural economy,rural finance wind.Therefore,it is necessary to improve the corresponding risk management mechanism to reduce the rural financial risk in heilongjiang province.Based on current situation and problems of’ rural finance main body risk analysis in heilongjiang province,found that each subject always carries some risk,directly or indirectly and the existence of these risks will hinder the development of rural finance.Based on the interests balance theory,using research methods of game theory,to explore the risk between the main body by satisfying what conditions,ability to achieve interest balance between the risk main body and the corresponding risk get reasonable management.By setting up two game models,found in collateral nor the government stepped in,law,etc,under the condition of rural commercial bank(representative of rural financial institutions)and the farmers’ professional cooperatives,rural financial demand)between the two sides game,although can achieve pareto equilibrium strategies in the best policy combination,but the rural commercial bank are often out of consideration for asymmetric information risk,can give up choice equilibrium strategies of the biggest gain.Game in the end can only achieve the risk of low efficiency best balance(without cooperation,cooperation),the rural commercial bank is willing to loan,also can not get financing and cooperative,both sides into into the "prisoner’s dilemma" of irrational,allowing both sides cannot be effectively sharing and compensation of rural financial risk,and prevent the development of rural economy.How to make the out of the "prisoner’s dilemma",the financial institutions willing to lend money to the demand side is willing to provide more complete information to get financing,this needs to establish the legal system or the government in rural financial market for appropriate intervention.So by establishing a legal protection on both sides of the game model and government involvement in the tripartite game model,the appropriate legal system of rural financial institutions and government incentives and subsidies on capital demanders,eventually making the rural financial institutions and capital demanders walked out of the "prisoner’s dilemma",and the government also won the benefits in the process,three parties have reached the equilibrium state,also got the effective management of risk,thus optimizing the rural financial risk problem,promote the development of rural economy.Perfecting rural financial risk management in heilongjiang province,mainly put forward three countermeasures:(1)the government shall establish differentiation of external compensation system,broadening the scope of mortgage guarantee and improve rural financing system of rural credit environment;(2)innovation of the rural financial services system.