本文在贷款市场中抽象出了一个双寡头的价格竞争模型,利用伯川德的价格竞争模型,分析其双寡头相互竞争的行为。继而又利用霍特林的线性模型考虑两个寡头规模不同时的状况,得到规模大的银行的均衡利率和贷款量都大于小规模银行,同时人们偏好的不同也使得自身的剩余降低。 In this paper, we abstract a duopoly oligopoly model in the loan market and use Bertrand’s price competition model to analyze its duopoly competition. Then using Hotelling’s linear model to consider the situation of the two oligarchs at different times, the equilibrium banks and the banks with larger banks have larger interest rates and lending than the small-scale banks. At the same time, people’s preferences also reduce their own surplus.