CAJ | 학술논문

假设移动支付产业链上的主体移动运营商和金融机构为有限理性,运用演化博弈理论,建立移动运营商和金融机构关于主导权合作竞争的非对称复制动态模型。通过对该模型的分析与研究,得出移动支付商业模式的演化趋势,以及选择不同的商业模式需满足的参数条件,为移动运营商和金融机构在移动支付产业链上做出最佳的策略决策提供了指导性的建议。
가설이동지부산업련상적주체이동운영상화금융궤구위유한이성,운용연화박혁이론,건립이동운영상화금융궤구관우주도권합작경쟁적비대칭복제동태모형。통과대해모형적분석여연구,득출이동지부상업모식적연화추세,이급선택불동적상업모식수만족적삼수조건,위이동운영상화금융궤구재이동지부산업련상주출최가적책략결책제공료지도성적건의。
The rapid development of mobile payment industry is inseparable from effective business model, the formation and choice of which become one of the key issues. Assuming that the mobile operators and financial institutions in the mobile payment industrial chain are limitedly rational, this paper makes use of the evolutionary game theory to establish asymmetric replicator dynamics on cooperation and competition of the predominance for the mobile operators and financial institutions. By analyzing this model, the evolutionary trend of mobile payment and the parametric conditions which need to be met for selecting different business models are obtained. The results provide suggestions for policy decision of mobile operators and financial institutions in the mobile payment industrial chain.