我国信用信息商品定价模型研究

发布时间：2018-05-26 22:26

本文选题：信用信息商品 + 定价模型　；参考：《湖南大学》2012年硕士论文

【摘要】：信用信息商品又称“信用商品”或“征信产品”，是指以信用信息为原材料进一步进行加工增值、能够真实全面反映主体信用状况的商品。随着我国市场经济的深入发展，信用经济逐渐成为市场经济的主要特征，信用交易在经济发展中将发挥着越来越重要的作用，市场金融交易主体和金融监管主体对信用信息商品的需求将会持续增长。目前，学术中对于信用信息商品的定价理论和方法的介绍和研究还处于初期阶段，本文尝试在该领域做出一些理论分析和方法研究，以弥补当前研究的不足。本文以金融资产定价理论和马克思劳动价值论为理论基础，，客观分析了当前我国征信业的发展现状和信用信息商品的供求平衡情况，为构建我国市场化征信体系的发展模式提出新的构想；根据信用信息商品所具有的成本特殊性、易逝性和差异性特征，考虑到信用信息商品定价的特殊性，在比较了主流定价理论方法的基础上选用了基于收益管理的动态差别定价方法和技术；在此基础上，构建了信用信息商品量化子模型、消费者需求子模型和动态定价主模型。通过典型案例实证检验并进行程序仿真模拟，表明所建立的模型具有较好的模拟结果，对模型的有效性分析也证明了该模型具有一定的可行性和适用性。
[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.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832;F224

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