本文關(guān)鍵詞：網(wǎng)絡(luò)借貸（P2P）平臺的成長模型研究　出處：《大連理工大學(xué)》2013年博士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 網(wǎng)絡(luò)借貸 富者愈富 自主學(xué)習(xí)價值 周期波動 合作程度

【摘要】：隨著國家金融管制逐步開放,在中國巨大的人口基數(shù)與日漸旺盛的融資需求下,基于互聯(lián)網(wǎng)的新型借貸模式-個人對個人(Peer-to-Peer,簡稱P2P)網(wǎng)絡(luò)借貸將在國內(nèi)呈現(xiàn)膨脹式發(fā)展。然而,由于目前描述網(wǎng)絡(luò)借貸(P2P)平臺成長規(guī)律的成長機(jī)制模型沒有更多更好的表現(xiàn),且平臺的成長要素也沒有明確一致的認(rèn)識。因此,伴隨著逐漸激烈的行業(yè)競爭,平臺的生存與發(fā)展將受到挑戰(zhàn)。本研究分別從自我成長、競爭成長和生存與發(fā)展要素角度構(gòu)建了平臺自主學(xué)習(xí)價值的動力學(xué)模型、合作下的平臺競爭模型和平臺的綜合評價模型。具體研究工作如下： 1.構(gòu)建了含“富者愈富”特性和“自主學(xué)習(xí)價值”的網(wǎng)絡(luò)借貸(P2P)平臺成長動力學(xué)模型。從非線性動力學(xué)角度研究了學(xué)習(xí)反饋延遲對網(wǎng)絡(luò)借貸(P2P)平臺成長的影響,挖掘出學(xué)習(xí)反饋延遲與平臺的“贏家通吃”、“共存”以及“周期波動”現(xiàn)象之間的關(guān)系,該延遲用來反映平臺自主學(xué)習(xí)能力強(qiáng)弱,體現(xiàn)了平臺自主學(xué)習(xí)價值。研究結(jié)論揭示了平臺自主學(xué)習(xí)價值的重要性,加深了平臺運(yùn)營商對平臺成長的認(rèn)識。數(shù)值仿真實(shí)驗(yàn)驗(yàn)證了模型的有效性及可行性。 2.深入研究了網(wǎng)絡(luò)借貸(P2P)平臺在成長中可能出現(xiàn)的周期波動現(xiàn)象�；谥行牧餍味ɡ砗鸵�(guī)范式方法得到了一系列決定平臺發(fā)展穩(wěn)定性和周期波動性的具體表達(dá)公式。研究揭示了平臺在成長過程中表現(xiàn)的“你追我趕”、“此起彼伏”動態(tài)發(fā)展特征,對平臺運(yùn)營商深度認(rèn)識平臺成長規(guī)律和制定相關(guān)競爭策略具有一定的參考價值和指導(dǎo)意義。 3.建立了合作下的網(wǎng)絡(luò)借貸(P2P)平臺競爭模型。通過對模型均衡解的分析,從理論上驗(yàn)證了合作可以實(shí)現(xiàn)平臺間的互惠共贏,找到了平臺間合作程度與平臺的“贏家通吃”和“共存”現(xiàn)象之間的關(guān)系。研究結(jié)論為實(shí)施合作競爭策略的平臺運(yùn)營商提供了參考依據(jù)。數(shù)值仿真實(shí)驗(yàn)驗(yàn)證了相關(guān)結(jié)論的有效性及可行性。 4.提出并構(gòu)建了一種針對網(wǎng)絡(luò)借貸(P2P)平臺的綜合評價方法模型,即基于層次分析法(AHP)和三參數(shù)區(qū)間模糊逼近理想點(diǎn)排序法(TOPSIS)的綜合評價模型。其中層次分析法和三參數(shù)區(qū)間值模糊值分別用于獲得平臺指標(biāo)權(quán)重和表達(dá)專家偏好,而逼近理想點(diǎn)法對平臺進(jìn)行排序。該模型不僅可為平臺的生存與發(fā)展指明方向,而且也可為網(wǎng)貸客戶的平臺應(yīng)用選擇提供理論指導(dǎo)。算例分析表明,所構(gòu)建的評價模型具有一定的適用性。 本研究提出的成長模型和綜合評價方法在一定程度上豐富補(bǔ)充了電子商務(wù)和決策理論與方法,同時也為網(wǎng)絡(luò)借貸(P2P)平臺的健康發(fā)展提供了有效的指導(dǎo)建議。
[Abstract]:With the country's financial regulation gradually opening up, Chinese in the huge population and increasing financing needs, new lending model of Internet based on person to person (Peer-to-Peer, referred to as P2P) will present the network lending expansion in China. However, due to the current description of the network lending (P2P) growth mechanism model of growth platform no more and better performance, growth factors and platform have no clear and consistent understanding. Therefore, along with the gradually fierce competition, the survival and development of the platform will be challenged. This study from self growth, competitive growth and survival and development point of view to build a platform for autonomous learning model value, comprehensive evaluation the platform competition model and platform for cooperation under the model. The main research work is as follows:
1. construct a "rich richer" and the characteristics of "autonomous learning network lending platform value" (P2P) growth dynamics model. From the perspective of nonlinear dynamics of learning feedback delay on network lending platform (P2P) affect the growth, dig out the learning feedback delay and the platform of "winner", "the relationship between coexistence" and "cycle" phenomenon, the delay is used to reflect the ability of autonomous learning platform, platform reflects the independent learning value. The conclusion of the study reveals the importance of autonomous learning platform value, deepen the understanding of the platform operators on the platform for growth. Numerical simulation results verify the validity and feasibility of the model.
2. in-depth study of the network lending (P2P) fluctuation phenomenon may occur in the growth of the platform. The center manifold theorem and the normal form method was obtained based on the specific formula is a series of platform development stability and periodic fluctuation. The study reveals the platform in the process of growing up "," the characteristics of the dynamic development of race each other "as one falls, another rises", has a certain reference value and guiding significance of platform growth law and formulate relevant competitive strategy on the platform operators in the depth of understanding.
3. to establish a cooperative under the network lending platform competition (P2P) model. Through analysis of the equilibrium solution of the model is proved theoretically, can achieve mutual benefit and win-win cooperation platform, find out the relationship between the degree of cooperation between the platform and the platform "winner" and "coexistence" phenomenon. The research conclusion provides a reference the basis for the implementation of cooperation strategy, platform operators. Numerical simulation results verify the effectiveness and feasibility of the related conclusion.
The 4. is proposed for network lending platform (P2P) model of the comprehensive evaluation method, which is based on the analytic hierarchy process (AHP) and the three parameter interval fuzzy TOPSIS method (TOPSIS) of the comprehensive evaluation model. The AHP and three parameters interval valued fuzzy values were used to obtain the index weight and platform the expression of preference of experts, and the TOPSIS method to sort the platform. This model can not only indicate the direction for the survival and development of the platform, but also can provide theoretical guidance for the application of net loan platform customers. Examples show that the evaluation model constructed has certain applicability.
The growth model and comprehensive evaluation method proposed in this study enrich the e-commerce and decision theory and methods to a certain extent, and also provide effective guidance for the healthy development of P2P platform.

【學(xué)位授予單位】：大連理工大學(xué)
【學(xué)位級別】：博士
【學(xué)位授予年份】：2013
【分類號】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 匡樂紅;徐林榮;劉寶琛;;組合賦權(quán)法確定地質(zhì)災(zāi)害危險性評價指標(biāo)權(quán)重[J];地下空間與工程學(xué)報;2006年06期

2 王艷;陳小輝;邢增藝;;網(wǎng)絡(luò)借貸中的監(jiān)管空白及完善[J];當(dāng)代經(jīng)濟(jì);2009年24期

3 任雅威;楊德禮;刁新軍;;市場細(xì)分網(wǎng)站競爭模型及其穩(wěn)定性分析[J];大連理工大學(xué)學(xué)報;2010年05期

4 胡啟洲;張衛(wèi)華;于莉;;三參數(shù)區(qū)間數(shù)研究及其在決策分析中的應(yīng)用[J];中國工程科學(xué);2007年03期

5 霍海峰;馬戰(zhàn)平;黃國燦;向紅;;時滯網(wǎng)站競爭系統(tǒng)的穩(wěn)定性和Hopf分支[J];蘭州理工大學(xué)學(xué)報;2009年02期

6 張金龍;竇霽虹;石雁;;一類帶有競爭和自反時滯的網(wǎng)站競爭系統(tǒng)的Hopf分支[J];純粹數(shù)學(xué)與應(yīng)用數(shù)學(xué);2011年01期

7 陳衍泰,陳國宏,李美娟;綜合評價方法分類及研究進(jìn)展[J];管理科學(xué)學(xué)報;2004年02期

8 王宗軍;綜合評價的方法、問題及其研究趨勢[J];管理科學(xué)學(xué)報;1998年01期

9 樊治平,張全,馬建;多屬性決策中權(quán)重確定的一種集成方法[J];管理科學(xué)學(xué)報;1998年03期

10 尤瑞章;張曉霞;;P2P在線借貸的中外比較分析——兼論對我國的啟示[J];金融發(fā)展評論;2010年03期

相關(guān)博士學(xué)位論文 前2條

1 紀(jì)淑嫻;C2C電子商務(wù)中在線信譽(yù)反饋系統(tǒng)有效性研究[D];西南交通大學(xué);2009年

2 雒春雨;P2P網(wǎng)絡(luò)借貸中的投資決策模型研究[D];大連理工大學(xué);2012年

，

本文編號：1366863