互联网金融模式下各参与主体的竞争博弈分析

发布时间：2018-01-15 18:22

本文关键词：互联网金融模式下各参与主体的竞争博弈分析　出处：《商业时代》2014年07期 　论文类型：期刊论文

【摘要】：互联网的发展促使社会生活出现了"在线常态化、购物网络化、社交虚拟化"的互联网生活新特征,以电脑、互联网为代表的第三次革命推动了以网上银行、电子商务等为形式的互联网金融的兴起,以移动、智能为特征的移动互联技术又将互联网金融推向了移动金融时代。本文全面分析了互联网金融的形式特征以及互联网金融环境下的金融行业竞争态势,综合运用合作博弈的K-S解法,论证得出商业银行与互联网企业在互联网金融领域的合作利大于弊,商业银行拓展互联网增值业务是发展互联网金融的有效手段。最后,本文提出了打造互联网金融生态圈、积极与互联网企业开展合作和建立移动金融生态圈的发展策略建议。
[Abstract]:The development of the Internet has prompted the emergence of "online normalization, shopping networking, social virtualization" of the new characteristics of Internet life, computer, Internet as the representative of the third revolution to promote online banking. E-commerce is the form of the rise of internet finance to move. Intelligent mobile interconnection technology has pushed Internet finance to the era of mobile finance. This paper comprehensively analyzes the formal characteristics of Internet finance and the competitive situation of financial industry under the environment of Internet finance. By using the K-S solution of cooperative game, it is demonstrated that the advantages of cooperation between commercial banks and Internet enterprises in the field of Internet finance outweigh the disadvantages. Commercial banks to expand Internet value-added business is an effective means to develop Internet finance. Finally, this paper proposes to create an Internet financial ecological circle. Active cooperation with Internet enterprises and the establishment of mobile financial ecosystem development strategy recommendations.
【作者单位】：北京京北职业技术学院管理工程系;北京京北职业技术学院机电工程系;
【分类号】：F832;F49
【正文快照】： 互联网技术发展带来的网络化、虚拟化和数字化变革,正在深刻改变着人们的生活习惯,形成了“在线常态化、购物网络化、社交虚拟化”的互联网生活新特征。移动互联、大数据、云计算等一系列信息技术的应用与深度融合,展现出开放、聚合、互联和智能的新特征,彻底改变了信息采集和

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