互联网银行博弈行为研究——以线上个人消费信贷为例

Research of Internet bank's Behaviors in Game Mmodels——Basing on the Market of Online Personal Consumption Credit

随着互联网金融的兴起,线上个人消费信贷业务获得了巨大的发展,但在发展的过程中产生了一些乱象。为了解释这些现象以方便互联网银行业更好的经营业务,可以通过建立包含不同参与主体的博弈模型来研究这些问题。本文基于互联网银行、网络商城以及个人消费信贷在现实中的特点,分别建立了两两相对应的博弈模型,分析了他们在博弈中所采取的策略,并据此提出了相应的政策建议。

With the rising popularity of the Internet finance, the business of online personal consumption credit has achieved huge developments, but along with the developing process is some unhealthy phenomena. In order to explain these appearances with the purpose to facilitate a better environment for Internet banking business, this thesis establishes corresponding game models which contains different maj or participants to study these problems. Basing on the relevant peculiarities of Internet bank, online shopping and personal applicant of consumption credit in reality, this paper respectively builds corresponding game models, and analyzes their strategies in the games, and accordingly put forward the corresponding policy suggestions finally.