基于粗糙集的第三方支付网络效益风险的评估

Benefit Risk Evaluation of Third-party Payment Network Based on Rough Set

效益已经成为第三方支付企业生存的潜在风险因素,然而第三方支付网络效益风险的评估,到目前还没有见到相关的研究成果。结合粗糙集理论、复杂网络理论和古典统计学,研究了第三方支付复杂网络的度分布及其特性,提出了一种第三方支付网络效益风险的评估方法。考虑了复杂网络中的不确定信息和网络结构的不可分辨性,考虑了产生效益的主观原因-努力水平,构建了一种新的效益风险指标体系,能够满足第三方支付企业实现对平台效益风险的评估。仿真实例表明,网络的交易额(收藏额)比广告费用对网络信任度的影响更大,网络信息度是影响网络效益风险的关键性因素。

Benefits have become a potential risk factor for the survival of third-party payment enterprises.However,so far,no relevant research results have been seen in the evaluation of benefits and risks of third-party payment networks.Combining rough set theory, complex network theory and classical statistics,we study the degree distribution and characteristics of the complex network of the third- party payment,and put forward a method to evaluate the benefits and risks of the third-party payment network.Considering the uncertain information in the complex network and the indistinguishability of the network structure,as well as the subjective cause-effort level,we construct a new benefit risk index system,which can meet the needs of third-party payment enterprises to realize the evaluation of the platform benefit risk.The simulation shows that the transaction volume (collection amount) of the network has a greater influence on the network trust degree than the advertising cost,and the network information degree is the key factor affecting the network benefit risk.