基于系统动力学的银行卡刷卡消费价格策略研究

An Research on the Pricing Model for Bankcard Consumption

银行卡刷卡消费系统是一个由网络运营商、发卡行、收单行、商户和消费者五个主体及相互作用组成的网络系统。为了使刷卡消费系统的定价策略能够有益于系统的长期发展,解决对刷卡消费价格的分析仅限于静态方面研究的局限,运用VENSIM软件,建立银行卡刷卡消费定价策略的系统动力学模型,并对模型的运行和模拟结果进行了动态分析,实证分析了银行卡刷卡消费各主体不同价格策略对刷卡消费主要指标的影响。

Bankcard consumption system is an network system composed by the network operator, the issuer, the acquirer, the merehants and the consumers. In order to make the pfidng of bankcarcl consumption be benefidal to the long-term system development, and to solve limited to the static analysis of research for the pricing of bankcard consumption, this paper uses VENSIM software, establishes the system dynamics model for the price structure of Bankcard consumption, and dynamic analysis, and a simulation results and pridng strategies.