福建师范大学学报：哲学社会科学版
福建師範大學學報：哲學社會科學版
복건사범대학학보：철학사회과학판
Journal of Fujian Normal University(Philosophy and Social Sciences Edtion)
2014年
4期
46~52
,共null页
移动互联网金融 银行 第三方企业 竞合 演化博弈
移動互聯網金融 銀行 第三方企業 競閤 縯化博弈
이동호련망금융 은행 제삼방기업 경합 연화박혁
Mobile internet financial, bank, third party enterprise, CO opetition, Evolutionary Game Theory
移动互联网金融是当前的热点。余额宝等第三方企业推出的移动互联网金融产品直接与银行展开了竞争，银行为维护核心利益进行了反击，双方的不良竞争影响了用户体验也阻碍了移动互联网金融的创新与发展。本文通过构建移动互联网金融第三方企业与银行的演化博弈模型，分析双方竞合行为与利益关系，找到博弈均衡点并提出促进双方合作的策略。
移動互聯網金融是噹前的熱點。餘額寶等第三方企業推齣的移動互聯網金融產品直接與銀行展開瞭競爭，銀行為維護覈心利益進行瞭反擊，雙方的不良競爭影響瞭用戶體驗也阻礙瞭移動互聯網金融的創新與髮展。本文通過構建移動互聯網金融第三方企業與銀行的縯化博弈模型，分析雙方競閤行為與利益關繫，找到博弈均衡點併提齣促進雙方閤作的策略。
이동호련망금융시당전적열점。여액보등제삼방기업추출적이동호련망금융산품직접여은행전개료경쟁，은행위유호핵심이익진행료반격，쌍방적불량경쟁영향료용호체험야조애료이동호련망금융적창신여발전。본문통과구건이동호련망금융제삼방기업여은행적연화박혁모형，분석쌍방경합행위여이익관계，조도박혁균형점병제출촉진쌍방합작적책략。
Mobile internet finance is the current hot spot. Mobile internet financial product such as Yu Ebao launched by a three party enterprise has directly competed with the counterpart of traditional banks, who take great pains to keep their core interests. Bad competition has affected user experience and hinders the innovation and development of mobile internet finance. In order to find the equilibrium point and to put forward to promote the cooperation between the two sides of the strategy, this paper constructs the evolutionary game model between mobile financial third party enterprise and the bank, and makes an analysis of CO opetition behavior and interests of both sides.
