基于博弈论的第三方支付平台策略分析

发布时间：2018-06-04 12:35

本文选题：第三方支付 + 博弈论　；参考：《电子科技大学》2017年硕士论文

【摘要】：第三方支付平台的出现充当了网上交易中信用中介的角色,促成了网上交易的达成,在这个基础上第三方支付产业迅速发展,截至2017年,中国第三方支付市场交易总额高达184804.4亿元,其发展潜力极为巨大,第三方支付市场已经在国民经济中体现出不可忽视的重要作用。第三方支付产业作为新兴产业,具有很多不完善和值得探讨的方面,尤其是第三方支付产业中的博弈关系值得研究。博弈论是一门新兴的学科,在许多的经济领域中都发挥着重要的作用,用博弈论方法研究第三方支付平台的博弈关系是本文研究的核心。鉴于此,本文以第三方支付理论和博弈论为研究重点,首先将我国第三方支付市场结构进行分析与定位,使用并拓展Cournot寡头竞争模型和Stackelberg寡头竞争模型同时结合当前国内第三方支付市场格局,建立第三方支付平台寡头博弈模型。结合我国现况建立第三方支付平台多维博弈模型进行分析并得出结论。然后通过分析我国第三方支付市场主要经营模式及第三方支付产业链结构,分析第三方支付平台的信用中介作用并建立动态博弈模型,最后引入信用评价体系改进模型,得出结论并分析。本文主要创新点与贡献:1.对我国第三方支付市场结构分析及定位,建立第三方支付市场中完全信息静态博弈的多企业寡头博弈模型和完全信息动态博弈的多企业寡头博弈模型,不仅对传统两企业博弈的寡头竞争模型进行了拓展,并且建立模型得出结论。同时本文结合我国现况建立了第三方支付平台多市场多维博弈模型并得出结论。2.本文分析了第三方支付平台在网上交易中的信用中介作用,首次用不完全信息动态博弈模型与当前网上交易实际流程相结合研究了网上交易中信用问题及影响因子,同时引入信用评价体系对原有模型进行改进,得出结论并给出改进信用评价体系的策略。
[Abstract]:The emergence of third-party payment platforms has acted as a credit intermediary in online transactions and contributed to the achievement of online transactions. On this basis, the third-party payment industry has developed rapidly, and by 2017, The transaction amount of the third party payment market in China is as high as 18.48044 trillion yuan, and its development potential is very great. The third party payment market has already embodied the important role that can not be ignored in the national economy. As a new industry, third-party payment industry has many aspects that are not perfect and worth discussing, especially the game relation in third-party payment industry is worth studying. Game theory is a new discipline, which plays an important role in many economic fields. The game theory is the core of this paper to study the game relationship of third-party payment platform. In view of this, this paper focuses on the third party payment theory and game theory, first of all, the third party payment market structure in China is analyzed and positioned. Using and extending the Cournot oligopoly model and Stackelberg oligarchic competition model, combining with the current domestic third-party payment market pattern, the oligopoly game model of third-party payment platform is established. The multidimensional game model of third party payment platform is established based on the current situation in China and the conclusion is drawn. Then, by analyzing the main business model of the third party payment market and the structure of the third party payment industry chain, the paper analyzes the credit intermediary function of the third party payment platform and establishes the dynamic game model. Finally, the improved model of credit evaluation system is introduced. Draw conclusions and analyze them. The main innovation and contribution of this paper: 1. Based on the analysis and orientation of the structure of the third-party payment market in China, a multi-enterprise oligarchic game model with complete information static game and a multi-enterprise oligopoly game model with complete information dynamic game are established. This paper not only extends the oligopoly competition model of traditional two enterprises game, but also establishes the model to draw a conclusion. At the same time, this paper establishes a multi-market multi-dimensional game model of third-party payment platform and draws a conclusion. 2. This paper analyzes the role of third-party payment platform in credit intermediation in online transactions, and for the first time, combines the incomplete information dynamic game model with the actual flow of online transactions to study the credit problems and influencing factors in online transactions. At the same time, the credit evaluation system is introduced to improve the original model, and the conclusion is drawn and the strategies to improve the credit evaluation system are given.
【学位授予单位】：电子科技大学
【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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