手机银行产业发展的演化博弈分析

Analysis of Evolutionary Game Based on Mobile Phone Banking Industry Development

随着移动通信网络技术的发展,手机银行在全网互联和高速数据交换的基础上,利用移动通信网络及终端,可以使人们随时随地处理多种金融业务。手机银行产业的发展需要银行和移动运营商的紧密合作,但二者又存在利益博弈。通过建立演化博弈模型,对手机银行产业的演进情况进行了分析。研究结果表明,银行和运营商之间的演化博弈存在两个演化稳定策略:(H,H),(L,L),只有(H,H)是期望的系统演化方向。通过对模型参数实施影响,引导产业朝期望的演化方向发展,并为有关政策提供理论依据。

With the development of mobile communication network technology, mobile phone banks exchange based on network intereonnection and high speed data, using the mobile communication network and terminal, so that people can at any time, any place, process account inquiries, payment and settlement, investment banking and other financial serv- ices. The development of mobile phone banking industry requires close collaboration between the bank and mobile opera- tors, but also there are the interests of the game. By establishing an evolutionary game model, the evolution of mobile phone banking industries is analyzed. Results show that, there are two evolutionary stable strategy evolution games be- tween banks and operators：（H,H）, （L,L）, only （H,H） is the evolution direction of the desired system. Through the implementation of impact on the model parameters, the evolution direction can guide the industry toward the expected de- velopment, and provide theoretical basis for the relevant policies. The need for cooperation in emerging industries devel- opment enterprises in traditional industries, and provides a new research idea.