本文選題：個人征信 + 互聯(lián)網(wǎng)金融��； 參考：《北方工業(yè)大學(xué)》2017年碩士論文

【摘要】：近年來,互聯(lián)網(wǎng)金融蓬勃發(fā)展,一方面填補(bǔ)了我國線下傳統(tǒng)金融的短板,推動了小微金融的發(fā)展,但另一方面其產(chǎn)生的諸多信用風(fēng)險問題不容忽視。建立完善的個人征信體系已成為互聯(lián)網(wǎng)金融可持續(xù)發(fā)展的迫切要求。本文首先分析了中國互聯(lián)網(wǎng)金融個人信用體系的發(fā)展情況,通過分析發(fā)現(xiàn),我國個人征信存在信用評價有效性低、合作面窄、風(fēng)控成本高、多平臺重復(fù)借款等問題。據(jù)此提出了"信用信息共享是構(gòu)建我國互聯(lián)網(wǎng)個人征信體系的關(guān)鍵"的觀點(diǎn)。其次,本文分析了國外成熟的個人信用信息共享機(jī)制。主要包括以美國為代表的私營模式下的信用信息共享機(jī)制、以歐洲為代表的公共模式下的信用信息共享機(jī)制以及以日本為代表的會員制模式下的信息共享機(jī)制,為我國的個人信用信息共享機(jī)制的建設(shè)提供參考經(jīng)驗。再次,本文以動態(tài)演化博弈理論為基礎(chǔ),對企業(yè)間個人信用信息共享實現(xiàn)條件進(jìn)行了分析:一是從動態(tài)演化博弈理論出發(fā)闡述了選擇此理論的合理性和可行性;二是對模型進(jìn)行了基本假設(shè),選擇影響信用信息共享結(jié)果的相關(guān)因素,并作為模型變量;三是建立了同質(zhì)征信企業(yè)之間博弈與異質(zhì)征信企業(yè)之間博弈兩種情況下的動態(tài)演化博弈模型,通過求解參與博弈企業(yè)的復(fù)制動態(tài)方程來分析不同情況下企業(yè)的穩(wěn)定均衡策略。最后,本文根據(jù)結(jié)論中的限制條件對選定的參數(shù)進(jìn)行賦值,并且設(shè)定強(qiáng)勢企業(yè)與弱勢企業(yè)選擇共享策略的初始比例,采用數(shù)值模擬的方法對理論結(jié)論進(jìn)行了仿真,結(jié)果趨勢圖表明理論結(jié)果成立。本文研究表明,個人征信企業(yè)是否選擇共享策略與企業(yè)信息共享的成本、信息轉(zhuǎn)化為收益的能力、因共享而造成的競爭力損失、雙方均共享所獲收益與只有一方共享信息時所獲收益的差額有關(guān)�；诖�,本文提出了構(gòu)建互聯(lián)網(wǎng)金融個人信用信息共享機(jī)制的相關(guān)政策建議。
[Abstract]:In recent years, Internet finance has developed rapidly. On the one hand, it has filled the short board of traditional finance under the line of our country, promoted the development of micro-finance, but on the other hand, many credit risk problems can not be ignored. The establishment of a sound personal credit system has become an urgent requirement for the sustainable development of Internet finance. This paper first analyzes the development of personal credit system of Internet finance in China, and finds that there are some problems such as low validity of credit evaluation, narrow scope of cooperation, high cost of wind control and repeated borrowing on multiple platforms in China. Based on this, this paper puts forward the view that the sharing of credit information is the key to the construction of personal credit system of Internet in China. Secondly, this paper analyzes the mature personal credit information sharing mechanism abroad. It mainly includes the credit information sharing mechanism under the private mode represented by the United States, the credit information sharing mechanism under the public mode represented by Europe, and the information sharing mechanism under the membership model represented by Japan. It provides reference experience for the construction of personal credit information sharing mechanism in China. Thirdly, based on the dynamic evolution game theory, this paper analyzes the realization conditions of personal credit information sharing among enterprises: firstly, the rationality and feasibility of choosing this theory are expounded from the dynamic evolution game theory; Secondly, the basic assumptions of the model are made, and the relevant factors that affect the results of credit information sharing are selected as the model variables. Thirdly, the dynamic evolution game model between homogeneous credit enterprises and heterogeneous credit enterprises is established, and the stable equilibrium strategy of enterprises under different conditions is analyzed by solving the replicating dynamic equations of participating enterprises. Finally, according to the limitation conditions in the conclusion, this paper assigns the selected parameters, and sets the initial proportion of the choice of the sharing strategy between the strong and the weak enterprises, and simulates the theoretical conclusions by numerical simulation method. The results show that the theoretical results are valid. The research shows that whether the individual credit investigation enterprise chooses the cost of sharing strategy and enterprise information sharing, the ability of transforming information into revenue, and the loss of competitiveness caused by sharing. Both parties share the proceeds in relation to the difference between the gains obtained when only one party shares the information. Based on this, this paper puts forward the relevant policy recommendations on the construction of Internet financial personal credit information sharing mechanism.
【學(xué)位授予單位】：北方工業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.4;F724.6

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本文編號：2110960