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(lèi)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(jìng)爭(zhēng)日趨激烈,各網(wǎng)貸平臺(tái)為了爭(zhēng)奪市場(chǎng)份額而不斷改變其競(jìng)爭(zhēng)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(wèn)題日益凸顯。本文根據(jù)P2P網(wǎng)絡(luò)借貸平臺(tái)的競(jìng)爭(zhēng)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(lèi),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(duì)各類(lèi)平臺(tái)的進(jìn)退問(wèn)題進(jìn)行了分析。結(jié)果發(fā)現(xiàn):當(dāng)領(lǐng)軍者選擇競(jìng)爭(zhēng)時(shí),跟隨者以退出市場(chǎng)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(chǎng),并以提高產(chǎn)品及服務(wù)的性?xún)r(jià)比來(lái)爭(zhēng)得市場(chǎng)份額;潛在跟隨者的最優(yōu)策略是不進(jìn)入市場(chǎng);潛在創(chuàng)新者則應(yīng)在分析平臺(tái)的競(jìng)爭(zhēng)優(yōu)勢(shì)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(zhǎng)春財(cái)經(jīng)學(xué)院金融學(xué)院;吉林省中小企業(yè)和民營(yíng)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(hào):吉教科文合字[2016]557號(hào))
【分類(lèi)號(hào)】：F724.6;F832.4

【相似文獻(xiàn)】

相關(guān)期刊論文 前10條

1 倪月娟;;我國(guó)P2P小額網(wǎng)絡(luò)信貸研究[J];現(xiàn)代商業(yè);2013年27期

2 ;P2P無(wú)線東京大登陸[J];網(wǎng)際商務(wù);2001年07期

3 張志強(qiáng);;當(dāng)前我國(guó)P2P信貸現(xiàn)狀及發(fā)展對(duì)策[J];華北金融;2013年07期

4 樊融杰;;P2P入侵外匯交易[J];英才;2014年03期

5 朱s，

本文編號(hào)：1544488