基于互联网金融的电信运营商与金融机构竞合关系研究

发布时间：2018-10-21 20:14

【摘要】：当今,互联网金融已经悄然进入大众生活,P2P、第三方支付、众筹等互联网金融产品与服务已彻底革新了人们的消费方式和理财习惯。互联网金融的快速发展及其所创制的广阔市场与丰厚回报,吸引着诸如互联网企业、金融机构、电信运营商和相关创业者等各路主体积极涌入。电信运营商作为互联网时代的重要引领者,恰逢业务转型与升级的重要关口,理当顺应经济与互联网金融发展的浪潮,积极主动地置身于互联网金融产业发展之中。诚然,互联网金融是一个由多个主体参与的复杂巨系统,系统内部各个主体之间客观上存在着既竞争又合作的事实上的博弈关系。因此,探究各相关参与主体之间合适的利润分成比例以达至各方合作共赢乃为互联网金融产业顺利推进所必需。本文以对于互联网金融发展的系统考察为基础,选取互联网金融产业中电信运营商与金融机构两个重要主体及其竞合关系为研究对象,基于电信运营商与金融机构竞争合作的动因、必要性与必然性的系列探究,运用演化博弈与竞合博弈相关理论,构建出基于互联网金融的电信运营商与金融机构竞合博弈模型。依据双方相应博弈模型的均衡点,得出其各自合适的最佳利润分成,进而提出其切实可行的现实竞合促进策略,为推进双方在互联网金融业务中的和谐合作与共赢发展提供理论依据与实践支撑。
[Abstract]:Nowadays, Internet finance has quietly entered the public life, P2P, third-party payment, crowdfunding and other Internet financial products and services have completely revolutionized people's consumption and financial habits. The rapid development of Internet finance and its vast market and rich returns have attracted the Internet enterprises, financial institutions, telecom operators and related entrepreneurs. Telecom operators as an important leader in the Internet era coincides with the important gateway of business transformation and upgrading. They should adapt to the tide of economic and Internet financial development and actively place themselves in the development of Internet financial industry. It is true that Internet finance is a complex giant system in which many subjects participate, and there exists a de facto game relationship between the various subjects in the system objectively, which is both competitive and cooperative. Therefore, it is necessary for the Internet financial industry to explore the appropriate proportion of profit sharing among the relevant participants to achieve win-win cooperation. Based on the systematic investigation of the development of Internet finance, this paper selects two important subjects of telecom operators and financial institutions and their competing relations in the Internet financial industry as the research object. Based on the motivation, necessity and inevitability of competition and cooperation between telecom operators and financial institutions, a competition game model between telecom operators and financial institutions based on Internet finance is constructed by applying evolutionary game theory and competing game theory. According to the equilibrium points of the corresponding game models of both parties, the optimal profit sharing is obtained, and the feasible strategies for promoting competition and cooperation are put forward. It provides theoretical basis and practical support for promoting harmonious cooperation and win-win development in Internet financial business.
【学位授予单位】：南京邮电大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.3;F626

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