商业银行应对P2P网贷竞争的博弈分析——基于核心业务视角

Game Analysis on Commercial Bank Competing with P2P Lending——Based on the Perspective of Core Business

P2P网贷的迅速发展给传统商业银行带来了冲击。文章从核心业务视角,在考虑风险性的基础上,分别建立了贷款业务的动态博弈模型、存款业务的演化博弈模型和销售业务的四方动态博弈模型,分析各项业务中P2P网贷对商业银行的影响机制,同时还构建了重复博弈模型分析其持续影响机制,并在此基础上给出商业银行应对P2P网贷竞争的对策。分析结果显示:P2P网贷在存款业务和销售业务上与商业银行产生了竞争,导致银行面临存款流失、销售费率和销售业务收益下降等一系列问题。应对P2P网贷的竞争,商业银行必须通过降低成本和革新服务模式来铸就核心竞争力。

The rapid development of P2P lending has brought an impact on commercial banks.From the perspective of core business,the paper,by taking the risk into account,establishes the dynamic game model of bank loan business,the evolutionary game model of deposits and the four participants dynamic game model of product sales business respectively to analyze the impact mechanism of P2P lending on commercial banks in each business,establishes the repeated game model to analyze its continuous impact mechanism,and offers the corresponding countermeasures for commercial banks to compete with P2P lending.The analysis results show that P2P lending competes with commercial banks in the deposit business and the product sales business,which causes the commercial banks encountering a series of problems,such as the deposits loss,the product sales rates and sales revenues down.The coping strategies of commercial banks must be based on cost reduction and innovation of service model to create the core competitiveness.