互聯(lián)網(wǎng)金融企業(yè)與傳統(tǒng)金融機構(gòu)演化博弈分析
發(fā)布時間：2018-08-07 15:28
【摘要】：隨著互聯(lián)網(wǎng)行業(yè)的迅速發(fā)展及其對金融業(yè)的滲透,互聯(lián)網(wǎng)金融企業(yè)應(yīng)運而生,在推動傳統(tǒng)金融機構(gòu)改革與完善的同時,也給傳統(tǒng)金融機構(gòu)帶來了不小的沖擊。雖然二者在傳統(tǒng)業(yè)務(wù)上存在沖突,但由于互聯(lián)網(wǎng)金融具有跨界性,以及在技術(shù)、管理等領(lǐng)域尚有廣闊的合作空間,因此二者呈現(xiàn)出一種博弈關(guān)系。根據(jù)二者在博弈關(guān)系上的長期性和動態(tài)性,本文基于演化博弈理論探討其演化過程并建立演化博弈模型,分析影響二者共生共存的關(guān)鍵因素,并根據(jù)復(fù)制動態(tài)方程得到互聯(lián)網(wǎng)金融企業(yè)和傳統(tǒng)金融機構(gòu)的行為演化規(guī)律和演化穩(wěn)定策略。最后,嘗試性提出了促進雙方長期可持續(xù)穩(wěn)定合作的相關(guān)政策建議。
[Abstract]:With the rapid development of the Internet industry and its penetration into the financial industry, Internet financial enterprises emerge as the times require, which not only promotes the reform and perfection of traditional financial institutions, but also brings a great impact to the traditional financial institutions. Although there are conflicts in the traditional business between the two, because of the cross-border nature of Internet finance, as well as the vast space for cooperation in the fields of technology and management, there is a game relationship between the two. According to the long-term and dynamic nature of the game relationship, this paper discusses its evolution process based on the evolutionary game theory and establishes the evolutionary game model, and analyzes the key factors that affect the coexistence of the two symbiosis. According to the replicative dynamic equation, the behavior evolution law and evolutionary stability strategy of Internet financial enterprises and traditional financial institutions are obtained. Finally, some policy suggestions are put forward to promote the long-term sustainable and stable cooperation between the two sides.
【作者單位】： 南京工業(yè)大學(xué)經(jīng)濟與管理學(xué)院;
【基金】：國家自然科學(xué)基金面上項目“融資約束影響產(chǎn)業(yè)績效機制和路徑”(項目編號:71272239) 江蘇省社科聯(lián)2014年度省社科應(yīng)用研究精品工程項目“江蘇省新型工業(yè)化、信息化、城鎮(zhèn)化、農(nóng)業(yè)現(xiàn)代化協(xié)調(diào)發(fā)展評價研究”(項目編號:14SWB-114)
【分類號】：F224.32;F724.6;F832.3
本文編號：2170468
[Abstract]:With the rapid development of the Internet industry and its penetration into the financial industry, Internet financial enterprises emerge as the times require, which not only promotes the reform and perfection of traditional financial institutions, but also brings a great impact to the traditional financial institutions. Although there are conflicts in the traditional business between the two, because of the cross-border nature of Internet finance, as well as the vast space for cooperation in the fields of technology and management, there is a game relationship between the two. According to the long-term and dynamic nature of the game relationship, this paper discusses its evolution process based on the evolutionary game theory and establishes the evolutionary game model, and analyzes the key factors that affect the coexistence of the two symbiosis. According to the replicative dynamic equation, the behavior evolution law and evolutionary stability strategy of Internet financial enterprises and traditional financial institutions are obtained. Finally, some policy suggestions are put forward to promote the long-term sustainable and stable cooperation between the two sides.
【作者單位】： 南京工業(yè)大學(xué)經(jīng)濟與管理學(xué)院;
【基金】：國家自然科學(xué)基金面上項目“融資約束影響產(chǎn)業(yè)績效機制和路徑”(項目編號:71272239) 江蘇省社科聯(lián)2014年度省社科應(yīng)用研究精品工程項目“江蘇省新型工業(yè)化、信息化、城鎮(zhèn)化、農(nóng)業(yè)現(xiàn)代化協(xié)調(diào)發(fā)展評價研究”(項目編號:14SWB-114)
【分類號】：F224.32;F724.6;F832.3
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