本文選題：信用信息商品 + 定價模型��； 參考：《湖南大學(xué)》2012年碩士論文

【摘要】：信用信息商品又稱“信用商品”或“征信產(chǎn)品”，是指以信用信息為原材料進一步進行加工增值、能夠真實全面反映主體信用狀況的商品。隨著我國市場經(jīng)濟的深入發(fā)展，信用經(jīng)濟逐漸成為市場經(jīng)濟的主要特征，信用交易在經(jīng)濟發(fā)展中將發(fā)揮著越來越重要的作用，市場金融交易主體和金融監(jiān)管主體對信用信息商品的需求將會持續(xù)增長。目前，學(xué)術(shù)中對于信用信息商品的定價理論和方法的介紹和研究還處于初期階段，本文嘗試在該領(lǐng)域做出一些理論分析和方法研究，以彌補當(dāng)前研究的不足。 本文以金融資產(chǎn)定價理論和馬克思勞動價值論為理論基礎(chǔ)，，客觀分析了當(dāng)前我國征信業(yè)的發(fā)展現(xiàn)狀和信用信息商品的供求平衡情況，為構(gòu)建我國市場化征信體系的發(fā)展模式提出新的構(gòu)想；根據(jù)信用信息商品所具有的成本特殊性、易逝性和差異性特征，考慮到信用信息商品定價的特殊性，在比較了主流定價理論方法的基礎(chǔ)上選用了基于收益管理的動態(tài)差別定價方法和技術(shù)；在此基礎(chǔ)上，構(gòu)建了信用信息商品量化子模型、消費者需求子模型和動態(tài)定價主模型。通過典型案例實證檢驗并進行程序仿真模擬，表明所建立的模型具有較好的模擬結(jié)果，對模型的有效性分析也證明了該模型具有一定的可行性和適用性。
[Abstract]:Credit information commodities, also known as "credit commodities" or "credit information products", refer to commodities that can be processed and added with credit information as raw materials and can truly and comprehensively reflect the credit status of the main body. With the further development of market economy in our country, credit economy has gradually become the main characteristic of market economy, and credit transaction will play a more and more important role in economic development. The market financial transaction main body and the financial supervision main body to the credit information commodity demand will continue to grow. At present, the introduction and research of the pricing theory and method of credit information commodity in the academic field is still in the initial stage. This paper tries to make some theoretical analysis and method research in this field to make up for the deficiency of the current research. Based on the theory of financial asset pricing and Marx's theory of labor value, this paper objectively analyzes the current development of credit information industry in China and the balance between supply and demand of credit information commodities. In order to construct the development mode of our country's market-oriented credit information system, this paper puts forward a new conception, according to the cost particularity, perishable and difference characteristic of credit information commodity, considering the particularity of credit information commodity pricing. On the basis of comparing the mainstream pricing theories and methods, this paper selects the dynamic differential pricing method and technology based on income management, and then constructs the quantitative sub-model of credit information commodity, the sub-model of consumer demand and the main dynamic pricing model. The simulation results show that the model has good simulation results, and the validity analysis of the model also proves the feasibility and applicability of the model.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832;F224

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