摘要
随着网络技术在金融领域应用的加深,网络金融创新在金融创新中所占的比重日趋提高。文章旨在研究网络金融产品扩散的基本规律,将生物种群理论中的逻辑斯谛模型引入了网络金融创新产品扩散的基本模型研究中,并在此基础上提出了曲线簇模型,用不同市场不同金融创新产品的数据对此模型进行了计量检验,该模型的研究可以为金融机构的战略决策和管理当局的政策制订提供理论参考。
Along with the deepening of network technology in financial industry application, the e-finance innovation proportion taken in the whole finance industry is enhancing day by day. For the purpose of studying the disciplinarian of the e-financial innovation product diffusion, this paper presents a basic model of e-financial product innovation diffusion based on the Verhulst model used in biological racial groups research. Afterwards the curve cluster model has also been proposed, and applied to the empirical study of the different financial products in different financial markets. This study will provide theoretic reference for the strategy making of financial institutions and the regulation making of the supervisor.
出处
《财经研究》
CSSCI
北大核心
2006年第6期24-33,共10页
Journal of Finance and Economics
关键词
网络金融
金融创新
扩散模型
financial innovation
diffusion model
e-finance
