摘要
互联网银行模式的兴起,丰富了市场的融资渠道,也在一定程度上优化了资源的配置。但该行业目前仍处于起步阶段,行业内部产生了一些乱象,导致了巨大的风险。为了解释这些现象的成因,本文基于互联网银行业的现状,建立了个人消费金融借款者、小微企业、互联网银行以及金融监管部门的博弈模型,分析了各个主体在相应的博弈中采取的行动和后果。最后本文提出政策建议,以期为我国互联网银行业的健康发展提供理论参考。
The development of Internet banking not only enriches financial channels, but also improves the efficiency of resource allocations. But the industry is still in the initial exploratory stage, and some undesirable phenomena exist, which could lead to huge risks. In order to explain the causes of these phenomena, basing on the status quo of Internet banking, this paper develops three game-theoretical models which include individual borrowers of consumer finance, small and micro enterprises, Interact banking companies and financial regulators, and analyzes each subject＇s corresponding actions and outcomes in the game-theoretical models. Finally, this paper proposes some corresponding policy recommendations for the healthy development of China＇s Internet banking industry.
出处
《金融监管研究》
2016年第2期32-46,共15页
Financial Regulation Research
关键词
互联网银行
个人消费金融
小微企业
博弈模型
Intemet Banking
Individual Borrowers of Consumer Finance
Small and Micro Enterprises
Game-theoretical Model
