互联网金融企业与传统金融机构演化博弈分析
发布时间：2018-08-07 15:28
【摘要】：随着互联网行业的迅速发展及其对金融业的渗透,互联网金融企业应运而生,在推动传统金融机构改革与完善的同时,也给传统金融机构带来了不小的冲击。虽然二者在传统业务上存在冲突,但由于互联网金融具有跨界性,以及在技术、管理等领域尚有广阔的合作空间,因此二者呈现出一种博弈关系。根据二者在博弈关系上的长期性和动态性,本文基于演化博弈理论探讨其演化过程并建立演化博弈模型,分析影响二者共生共存的关键因素,并根据复制动态方程得到互联网金融企业和传统金融机构的行为演化规律和演化稳定策略。最后,尝试性提出了促进双方长期可持续稳定合作的相关政策建议。
[Abstract]:With the rapid development of the Internet industry and its penetration into the financial industry, Internet financial enterprises emerge as the times require, which not only promotes the reform and perfection of traditional financial institutions, but also brings a great impact to the traditional financial institutions. Although there are conflicts in the traditional business between the two, because of the cross-border nature of Internet finance, as well as the vast space for cooperation in the fields of technology and management, there is a game relationship between the two. According to the long-term and dynamic nature of the game relationship, this paper discusses its evolution process based on the evolutionary game theory and establishes the evolutionary game model, and analyzes the key factors that affect the coexistence of the two symbiosis. According to the replicative dynamic equation, the behavior evolution law and evolutionary stability strategy of Internet financial enterprises and traditional financial institutions are obtained. Finally, some policy suggestions are put forward to promote the long-term sustainable and stable cooperation between the two sides.
【作者单位】： 南京工业大学经济与管理学院;
【基金】：国家自然科学基金面上项目“融资约束影响产业绩效机制和路径”(项目编号:71272239) 江苏省社科联2014年度省社科应用研究精品工程项目“江苏省新型工业化、信息化、城镇化、农业现代化协调发展评价研究”(项目编号:14SWB-114)
【分类号】：F224.32;F724.6;F832.3
本文编号：2170468
[Abstract]:With the rapid development of the Internet industry and its penetration into the financial industry, Internet financial enterprises emerge as the times require, which not only promotes the reform and perfection of traditional financial institutions, but also brings a great impact to the traditional financial institutions. Although there are conflicts in the traditional business between the two, because of the cross-border nature of Internet finance, as well as the vast space for cooperation in the fields of technology and management, there is a game relationship between the two. According to the long-term and dynamic nature of the game relationship, this paper discusses its evolution process based on the evolutionary game theory and establishes the evolutionary game model, and analyzes the key factors that affect the coexistence of the two symbiosis. According to the replicative dynamic equation, the behavior evolution law and evolutionary stability strategy of Internet financial enterprises and traditional financial institutions are obtained. Finally, some policy suggestions are put forward to promote the long-term sustainable and stable cooperation between the two sides.
【作者单位】： 南京工业大学经济与管理学院;
【基金】：国家自然科学基金面上项目“融资约束影响产业绩效机制和路径”(项目编号:71272239) 江苏省社科联2014年度省社科应用研究精品工程项目“江苏省新型工业化、信息化、城镇化、农业现代化协调发展评价研究”(项目编号:14SWB-114)
【分类号】：F224.32;F724.6;F832.3
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