CAJ | 학술논문

农村电子支付因提高资金流运行而成为研究的热点之一，其参与主体对电子支付的选择行为对农村电子支付市场的进一步发展尤为重要。论文运用演化博弈理论，分析在农村电子支付发展过程中，金融机构的服务供给和农户的服务需求的演化状况，通过对经济主体选择电子支付成本、收益等因素的研究，得出结论如下：农村经济的发展有益于农村电子支付；农村电子支付动态演化使金融机构的服务供给和农户金融的需求方面将趋于一致；电子支付各主体为实现利益最大化，促使农村电子支付融入现代支付体系。
농촌전자지부인제고자금류운행이성위연구적열점지일，기삼여주체대전자지부적선택행위대농촌전자지부시장적진일보발전우위중요。논문운용연화박혁이론，분석재농촌전자지부발전과정중，금융궤구적복무공급화농호적복무수구적연화상황，통과대경제주체선택전자지부성본、수익등인소적연구，득출결론여하：농촌경제적발전유익우농촌전자지부；농촌전자지부동태연화사금융궤구적복무공급화농호금융적수구방면장추우일치；전자지부각주체위실현이익최대화，촉사농촌전자지부융입현대지부체계。
Rural e-payment is becoming one of the hot researchtopics for the fact that it makes the fund run more efficiently. However, the further development of e-payment mainly depends on the partners’selection of it. According to the evolutionary game theory, this paper analyzed the evolution of financial institutions’service supply and farmers’service demand in the development process of e-payment. Based on the analysis of economic-subjects’selections on cost and profit and many other factors, it drew the following conclusions: the growth of rural economy was beneficial to the development of rural e-payment; the dynamic evolution can make the rural e-payment service supply and demand to be coincident;in order to make more benefits, the economic subjects led the rural e-payment to merge into CNAPS.