中文摘要：

在引入信用系数β来衡量企业的还贷能力和还贷意愿的基础上,比较研究了两种信贷定价模式下银行和企业在融资成本、利润和风险方面的变化,通过博弈分析,构造了浮动利率信贷定价模式优于固定利率信贷定价模式的条件,研究得出了浮动利率与信用系数的关系：R=（1-β）R,β≦1,为银行确定浮动利率提供了操作性比较强的依据。结果表明,浮动利率信贷定价模式在抵押品要求上是对固定利率信贷模式的帕累托改进,并达到了帕累托最优。浮动利率信贷定价模式用浮动利率直接激励了企业的信用行为,形成了企业守信—银行利率刺激的良性循环。

英文摘要：

First introduce Credit factor β to measure the repayment ability and willingness of the enterprise,and comparative study banks and enterprises on two different credit lone pricing mode in financing cost, profit and risk change, through the game analysis, constructed a floating interest credit lone pricing rate model is superior to the fixed rate credit lone pricing conditions, give  R=（1- β）R,β≦ 1, for banks to determine a floating interest rate provides operational stronger basis. The results show that the floating rate credit lone pricing model on collateral requirements for fixed rate within the credit pattern of improvement, and achieve the Pareto Optimality. Floating rate credit lone pricing model with a floating interest rate is directly inspired enterprise credit behavior, formed the companies honestinterest rates to stimulate a well-cycling.