P2P网络金融监管的演化博弈模型及仿真分析

发布时间：2018-03-22 11:16

本文选题：P2P　切入点：金融风险　出处：《南京邮电大学》2017年硕士论文　论文类型：学位论文

【摘要】：21世纪,伴随着信息技术与金融产业的融合创新,互联网金融已成为当今一大趋势。以电子商务网络平台为依托,提供个人与个人间的小额借贷交易以实现信息交互和资金借贷,P2P网络金融正不断改变着传统金融业的发展模式。2016年全国P2P网贷成交量达到了19544亿元,较2015年增长98.96%,显示出P2P网络金融发展之迅速。由于相关法律法规和监管的缺失,P2P网络金融的风险问题日益突出,本文通过建立网贷平台与监管部门的演化博弈模型及仿真分析,为完善P2P监管提供针对性的措施。首先,对国内外P2P网络金融监管及演化博弈论进行综述,并为金融监管提供理论依据。其次,通过对P2P网络金融的现有运作模式及其风险进行阐述,在分析我国现有监管模式后,指出现阶段我国对于P2P网络金融监管内容不足之处。最后通过建立演化博弈模型对P2P网络金融和监管部门进行分析,并利用仿真软件分析了监管成本、社会评价、超额收益以及违规处罚罚金等对监管部门监管效果及平台合规运营的影响,提出完善我国P2P网络金融监管的方法,包括监管主体和监管对象的界定、监管模式、监管内容及其他保障性措施等。通过不断完善现有监管体系,达到监管规制的效果,才能使得P2P网络金融实现合法合规的有序健康发展。
[Abstract]:In the 21st century, with the integration and innovation of information technology and financial industry, Internet finance has become a major trend. Providing micro-credit transactions between individuals to achieve information exchange and capital lending P2P network finance is changing the development model of the traditional financial industry. In 2016, the transaction volume of P2P loans across the country reached 1.9544 trillion yuan. Compared with 2015, the increase of 98.96 points shows the rapid development of P2P network finance. Due to the lack of relevant laws, regulations and regulations, the risk of P2P network finance is becoming increasingly prominent. In order to improve P2P supervision, this paper summarizes P2P network financial supervision and evolution game theory at home and abroad, and provides theoretical basis for financial supervision. Through the analysis of the current operation mode and risk of P2P network finance, after analyzing the existing supervision mode of our country, This paper points out the deficiencies of P2P network financial supervision in China at present. Finally, it analyzes the P2P network finance and supervision department by establishing evolutionary game model, and analyzes the supervision cost and social evaluation by using simulation software. The influence of excess income and penalty on regulatory effect and platform compliance operation is proposed. The methods of perfecting P2P network financial supervision in our country are put forward, including the definition of the main body and object of supervision, the mode of supervision. By constantly perfecting the existing regulatory system and achieving the effect of regulatory regulation, P2P network finance can achieve the orderly and healthy development of legal compliance.
【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】：F724.6;F832.1;F224.32

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