互联网金融与商业银行竞合关系的博弈分析

The Game of Competition and Cooperation Between the Internet Financial Firms and Commercial Banks

随着互联网的发展,大批互联网金融企业兴起.借助互联网技术、大数据分析与金融服务的融合提供了更多方便、快捷、个性化服务,不断渗透着传统商业银行的经营范围,对现有商业银行的经营模式提出挑战.本文应用有限理性重复博弈理论,对互联网金融企业与商业银行之间的竞争与合作关系进行研究.最后,本文从双方互利合作的角度提出相关政策建议,以促进二者在不断竞争中互利互惠,完善相关金融体系.

With the development of internet, a large number of internet financial companies are emerging. With the integration of internet technology, big data analysis and financial services, internet banking companies pro- vide more convenient, fast and personalized services, which lead to constant penetration of the business scope in traditional commercial banks and challenges the existing management models. On account of this phenome- non, this paper studies the relationship between the competition and cooperation of the internet banking compa- nies and the commercial by the limited rational repeated game theory. Finally, this thesis makes policy sugges- tions just in order to help both sides acquire mutual benefits in constant competition and improve relevant finan- cial system.