發(fā)布時(shí)間：2018-10-21 20:14

【摘要】：當(dāng)今,互聯(lián)網(wǎng)金融已經(jīng)悄然進(jìn)入大眾生活,P2P、第三方支付、眾籌等互聯(lián)網(wǎng)金融產(chǎn)品與服務(wù)已徹底革新了人們的消費(fèi)方式和理財(cái)習(xí)慣�；ヂ�(lián)網(wǎng)金融的快速發(fā)展及其所創(chuàng)制的廣闊市場(chǎng)與豐厚回報(bào),吸引著諸如互聯(lián)網(wǎng)企業(yè)、金融機(jī)構(gòu)、電信運(yùn)營(yíng)商和相關(guān)創(chuàng)業(yè)者等各路主體積極涌入。電信運(yùn)營(yíng)商作為互聯(lián)網(wǎng)時(shí)代的重要引領(lǐng)者,恰逢業(yè)務(wù)轉(zhuǎn)型與升級(jí)的重要關(guān)口,理當(dāng)順應(yīng)經(jīng)濟(jì)與互聯(lián)網(wǎng)金融發(fā)展的浪潮,積極主動(dòng)地置身于互聯(lián)網(wǎng)金融產(chǎn)業(yè)發(fā)展之中。誠(chéng)然,互聯(lián)網(wǎng)金融是一個(gè)由多個(gè)主體參與的復(fù)雜巨系統(tǒng),系統(tǒng)內(nèi)部各個(gè)主體之間客觀上存在著既競(jìng)爭(zhēng)又合作的事實(shí)上的博弈關(guān)系。因此,探究各相關(guān)參與主體之間合適的利潤(rùn)分成比例以達(dá)至各方合作共贏乃為互聯(lián)網(wǎng)金融產(chǎn)業(yè)順利推進(jìn)所必需。本文以對(duì)于互聯(lián)網(wǎng)金融發(fā)展的系統(tǒng)考察為基礎(chǔ),選取互聯(lián)網(wǎng)金融產(chǎn)業(yè)中電信運(yùn)營(yíng)商與金融機(jī)構(gòu)兩個(gè)重要主體及其競(jìng)合關(guān)系為研究對(duì)象,基于電信運(yùn)營(yíng)商與金融機(jī)構(gòu)競(jìng)爭(zhēng)合作的動(dòng)因、必要性與必然性的系列探究,運(yùn)用演化博弈與競(jìng)合博弈相關(guān)理論,構(gòu)建出基于互聯(lián)網(wǎng)金融的電信運(yùn)營(yíng)商與金融機(jī)構(gòu)競(jìng)合博弈模型。依據(jù)雙方相應(yīng)博弈模型的均衡點(diǎn),得出其各自合適的最佳利潤(rùn)分成,進(jìn)而提出其切實(shí)可行的現(xiàn)實(shí)競(jìng)合促進(jìn)策略,為推進(jìn)雙方在互聯(lián)網(wǎng)金融業(yè)務(wù)中的和諧合作與共贏發(fā)展提供理論依據(jù)與實(shí)踐支撐。
[Abstract]:Nowadays, Internet finance has quietly entered the public life, P2P, third-party payment, crowdfunding and other Internet financial products and services have completely revolutionized people's consumption and financial habits. The rapid development of Internet finance and its vast market and rich returns have attracted the Internet enterprises, financial institutions, telecom operators and related entrepreneurs. Telecom operators as an important leader in the Internet era coincides with the important gateway of business transformation and upgrading. They should adapt to the tide of economic and Internet financial development and actively place themselves in the development of Internet financial industry. It is true that Internet finance is a complex giant system in which many subjects participate, and there exists a de facto game relationship between the various subjects in the system objectively, which is both competitive and cooperative. Therefore, it is necessary for the Internet financial industry to explore the appropriate proportion of profit sharing among the relevant participants to achieve win-win cooperation. Based on the systematic investigation of the development of Internet finance, this paper selects two important subjects of telecom operators and financial institutions and their competing relations in the Internet financial industry as the research object. Based on the motivation, necessity and inevitability of competition and cooperation between telecom operators and financial institutions, a competition game model between telecom operators and financial institutions based on Internet finance is constructed by applying evolutionary game theory and competing game theory. According to the equilibrium points of the corresponding game models of both parties, the optimal profit sharing is obtained, and the feasible strategies for promoting competition and cooperation are put forward. It provides theoretical basis and practical support for promoting harmonious cooperation and win-win development in Internet financial business.
【學(xué)位授予單位】：南京郵電大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.3;F626

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