移动支付市场三大服务商博弈研究

Game between Mobile Operators,Bank and Third Party Payment Services Provider in Mobile Payment Market

随着移动互联网和移动支付市场的快速发展,移动支付业务已经成为当前移动增值业务发展的重点。为了获取最大利润,移动支付市场的主要参与者已经展开激烈的竞争以抢占市场份额。从移动运营商、银行、第三方支付服务提供商视角出发,结合实际,建立了移动支付市场完全信息的古诺模型和不完全信息古诺模型,通过求解和分析模型,提出了适合我国国情的移动支付市场运营模式,即移动运营商与银行合作且由第三方支付服务提供商协助支持。

Along with the rapid development of the mobile Internet and mobile payment market, mobile payment busi- ness has become the key of the development of the mobile value-added business. In order to obtain the biggest profits, the main participants of mobile payment market have begun to compete for market share. Considering the mobile opera- tors, bank, the third party payment services provider, and combining with practice, this paper set up Cournot models un- der complete and incomplete information of mobile market. Through solving and analyzing the models, the operation mode suitable for Chinese national conditions of mobile payment market was put forward,which means that mobile op- erators collaborate with bank and the third-party service providers offer support.