银行卡网络价格结构与刷卡消费组合决策模型

A compound decision model for bankcard network′s price structure and bankcard consumption

针对银行卡网络价格结构与刷卡消费之间复杂的关联问题,引入双边市场理论和组合决策思想,以实现银行卡网络整体发展为目标,基于Wright等设计的银行卡网络交换费优化模型,建立了银行卡网络价格结构与刷卡消费组合决策模型.通过加入扰动因子、采用双适应值比较和保留边界不可行解改进了粒子群算法,解决了模型的求解难题,为合理制定银行卡网络价格结构提供了一种新方法,同时拓宽了双边市场理论的应用领域,在电子支付管理领域具有广阔的应用前景.

To deal with the complex correlation problem between the price structure and bankcard consumption in the bankcard network, a compound decision model for bankcard network＇s price structure and bankcard consumption is constructed by introducing the two-sided market theory and the compound decision thoughts, based on Wright＇s interchange fee optimal model with the core purpose of realizing the whole development of the bankcard networks. In order to give the optimal solution, an improved particle swarm optimization algorithm is got by adding a disturbed factor, adopting double fitness value and keeping some unsuitable solutions near the boundary. This research contributes to forming a new research method, to widening the application fields of the two-sided market theory, and to applying in the fields of electronic payment management.