第三方支付与商业银行竞合博弈分析

发布时间：2018-03-20 23:51

本文选题：第三方支付　切入点：商业银行　出处：《河北大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着电子金融的快速发展,第三方支付顺势崛起,发展迅猛,如今已经直接触及到商业银行的利益,商业银行面临着前所未有的严峻挑战。第三方支付之所以发展迅猛,在于其有效解决了互联网创新产业交易过程中的资金流转问题,便捷而高效的交易方式,构造出诚信、安全以及信息对称的交易环境;并且,能够满足个人用户、商户、企业多元化的服务需求。同时,从我国整体经济环境来看,第三方支付行业的发展在一定程度上对中国经济尤其是新兴经济对资本运用的效率及产业竞争力的提升有很大贡献。在这个过程当中,第三方支付与商业银行两者之间的关系也发生着变化:商业银行运用技术创新加强网上银行业务拓展来应对挑战;第三方支付则通过积极创新支付业务模式改变传统金融服务格局,这样以来,两者之间存在既竞争又合作的关系。因此,研究第三方支付与商业银行之间关系以及影响是非常有意义的。本文以研究第三方支付与商业银行竞合关系为切入点。首先,对第三方支付的发展背景进行了归纳、梳理与总结,并结合搜集资料详细概括了第三方支付、商业银行在现阶段的发展状况,着重分析了双方的优劣势,其优劣势的相互不均衡造成了两者之间竞争与合作的状态。其次,分别从业务重叠、客户群体等方面具体分析第三方支付对商业银行带来的竞争;详细研究双方在跨境支付、网络支付安全、网上交易信用三方面的合作,得出处理好双方竞争与合作的关键在于利益的协调与分配。再次,运用博弈论模型,介绍了囚徒困境博弈、重复博弈两种基本博弈模型,确定影响第三方支付与商业银行博弈的因素,将政府监管部门加入到了竞合博弈分析中,进一步完善了影响博弈双方的因素;深入的分析这些因素是如何影响博弈双方进行利益分配的,通过博弈分析找到如何使双方利益最大化的均衡点。最后,针对优化第三方支付与商业银行合作提出政策建议。
[Abstract]:With the rapid development of electronic finance, third-party payment has risen and developed rapidly. Now it has directly touched the interests of commercial banks, and commercial banks are facing unprecedented severe challenges. It has effectively solved the problem of capital flow in the process of Internet innovation industry transaction, convenient and efficient transaction mode, constructed a trading environment of honesty, security and information symmetry, and can satisfy individual users and merchants. At the same time, from the point of view of the overall economic environment of our country, To a certain extent, the development of the third-party payment industry has contributed greatly to the efficiency of capital utilization and the promotion of industrial competitiveness in China's economy, especially in the emerging economies. The relationship between third-party payment and commercial banks has also changed: commercial banks use technological innovation to strengthen the expansion of online banking business to meet the challenges; Third party payment changes the traditional financial service pattern by actively innovating the payment business model, so there is a competitive and cooperative relationship between the two. It is very meaningful to study the relationship and influence between third-party payment and commercial bank. This paper starts with the study of the relationship between third-party payment and commercial bank. Firstly, it summarizes the development background of third-party payment. Combing and summing up, combining with collecting data, this paper summarizes in detail the development of third-party payment, commercial banks at this stage, and emphatically analyzes the advantages and disadvantages of both sides. The imbalance between the advantages and disadvantages of the two results in the competition and cooperation between them. Secondly, from the aspects of business overlap, customer groups and other aspects, the paper analyzes the competition brought about by third-party payment to commercial banks in detail, and studies the cross-border payment between the two sides in detail. The key to deal with the competition and cooperation between the two sides lies in the coordination and distribution of interests. Thirdly, the game theory model is used to introduce the prisoner's dilemma game. Two basic game models of repeated game are used to determine the factors that affect the game between third party payment and commercial bank, and the government supervision department is added to the analysis of competing game, which further improves the factors that affect both sides of the game. This paper deeply analyzes how these factors affect the benefit distribution between the two sides of the game, and finds out the equilibrium point of how to maximize the interests of both parties through the game analysis. Finally, some policy suggestions are put forward to optimize the cooperation between the third party payment and the commercial bank.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.2;F224.32

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