The Game Analyses of the Effect of Bank Claim, Penalty and Compensation to High Educational Aid-Loan/ANALYSES DE JEU SUR LES EFFETS DE LA RECLAMATION, LA PENALITE ET LA COMPENSATION DE LA BANQUE AU PRET D'ETUDES SUPERIEUR

The paper mainly researches behavior of banks and students which affects the efficiency of Chinese high-educational aid-loan. Using the game theory, the paper analyzes the behavioral selection of bank and students in the domestic process of education aid-loan. The paper emphatically anatomizes the impact of the reliability of the bank's claim, the intensity of penalty and the degree of the compensation to the behavior of banks and students. Gets the conclusion that, under the condition of the credit system lagging, the government should intervene to reduce the cost of the claim, raise the success probability of the claim and increase the degree of the penalty to the students who default in loan contract,to ensure the healthy development of the education aid-loan.