Before revision:  The model incorporates a game feature with homogeneity within groups and heterogeneity between groups where banks search for the optimal lending or borrowing strategies and intend to minimize the heterogeneous linear quadratic costs in order to remain survival in the system .
After revision:  The model incorporates a game feature with homogeneity within groups and heterogeneity between groups where banks search for the optimal lending or borrowing strategies and intend to minimize the heterogeneous linear quadratic costs in order to avoid to approach the default barrier .