本文關(guān)鍵詞： PP網(wǎng)絡(luò)借貸平臺(tái) 逆向剪枝模型 進(jìn)退分析　出處：《企業(yè)經(jīng)濟(jì)》2017年04期 　論文類型：期刊論文

【摘要】：隨著互聯(lián)網(wǎng)金融的快速發(fā)展,P2P網(wǎng)絡(luò)借貸行業(yè)之間的競爭日趨激烈,各網(wǎng)貸平臺(tái)為了爭奪市場份額而不斷改變其競爭策略,甚至付出高昂代價(jià),由此導(dǎo)致網(wǎng)貸行業(yè)的諸多問題日益凸顯。本文根據(jù)P2P網(wǎng)絡(luò)借貸平臺(tái)的競爭狀況,將其網(wǎng)貸平臺(tái)劃分為領(lǐng)軍者、創(chuàng)新者和跟隨者三類,并基于博弈論的視角,建立了逆向剪枝模型,在此基礎(chǔ)上,對各類平臺(tái)的進(jìn)退問題進(jìn)行了分析。結(jié)果發(fā)現(xiàn):當(dāng)領(lǐng)軍者選擇競爭時(shí),跟隨者以退出市場為最優(yōu)選擇;當(dāng)領(lǐng)軍者選擇合作時(shí),跟隨者可繼續(xù)留在市場,并以提高產(chǎn)品及服務(wù)的性價(jià)比來爭得市場份額;潛在跟隨者的最優(yōu)策略是不進(jìn)入市場;潛在創(chuàng)新者則應(yīng)在分析平臺(tái)的競爭優(yōu)勢及進(jìn)一步創(chuàng)新的可能性之后,選擇進(jìn)入或不進(jìn)入的策略。
[Abstract]:With the rapid development of Internet finance, the competition between P2P network lending industry is becoming more and more fierce. In order to compete for market share, various network lending platforms constantly change their competitive strategy, even pay a high price. According to the competitive situation of P2P network lending platform, this paper divides the network loan platform into three categories: leader, innovator and follower, and based on the perspective of game theory, the network loan platform is divided into three categories: leader, innovator and follower. The reverse pruning model is established, and on this basis, the advance and retreat problems of various platforms are analyzed. The results show that when the leader chooses to compete, the follower takes exit from the market as the best choice, and when the leader chooses to cooperate, Followers can remain in the market and gain market share by improving the performance and price ratio of products and services, and the optimal strategy of potential followers is not to enter the market. After analyzing the competitive advantage of the platform and the possibility of further innovation, the potential innovator should choose the strategy of entering or not entering.
【作者單位】： 東北師范大學(xué)經(jīng)濟(jì)學(xué)院;長春財(cái)經(jīng)學(xué)院金融學(xué)院;吉林省中小企業(yè)和民營經(jīng)濟(jì)發(fā)展基金管理中心;
【基金】：吉林省教育廳“十三五”社會(huì)科學(xué)研究項(xiàng)目“基于互聯(lián)網(wǎng)金融的吉林省中小微企業(yè)融資模式研究”(項(xiàng)目編號:吉教科文合字[2016]557號)
【分類號】：F724.6;F832.4

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