摘要
近年来,网络金融创新产品在现代经济领域的重要性日趋提高,通过对各种网络金融产品在各国及各地区市场扩散过程的研究,发现其扩散的动态过程是存在一定规律的。本文在将生物种群模型引入网络金融创新产品扩散的基本模型的基础上将效用引入扩散过程的分析中,从而更准确地判断饱和点的产生,并针对中国台湾信用卡数据和中国内地银行卡进行了实证研究,模型的研究可以为金融机构的战略决策以及管理部门的产业政策制定提供理论参考。
Reeently, e-finance in modern economies has been more and more important, and thereare specific principles in its dynamic diffusion process by investigations in the markets of many countries. In this paper the utility analysis is introduced into the basic model for e-financial innovation diffusion by utilizing biological population model as its benchmark so that the point of saturation can be determined more accurately. In addition, empirical studies have been done using data of Taiwan credit card and mainland bank card. The result provides theoretic reference for the strategic decision of financial institutions and for the policy-making of the supervisors.
出处
《金融理论与实践》
北大核心
2009年第3期14-17,共4页
Financial Theory and Practice
关键词
金融创新
扩散模型
网络金融
Financial Innovation
Diffusion Model
E-finance
