On Game Behavior of Debtor and Creditor in Homestead-right-of-use Mortgage Loans

The author made an statistical analysis on the potential willingness of farmers' homestead-right-of-use mortgage loans by employing game theory. The results showed that the loan interest, the value of the collateral and the credit mechanism are the important factors. Meanwhile, the relevant departments of our government should design countermeasures regarding the disequilibrium factors in order to promote the business of homestead-right- of-use mortgage loans.