摘要
传统银行大多通过线下"一对一"人工柜台业务办理的服务模式,在特定的时间为大众提供存储贷款、理财产品等金融业务的办理。而今在全球金融科技创新和应用的冲击下,许多金融企业和科技企业逐步采用新型的金融工具和手段进行金融业务模式的升级与拓展,一些互联网企业悄然应用金融科技手段率先开展金融新业务或新模式,并获得了较高收益。面对金融科技创新,传统金融机构也积极探索与应用。通过建立科技企业与传统银行的金融科技创新与应用策略模型,分析两个博弈主体之间的动态竞争关系与收益情况,并引入风险监管机制分析双方的博弈行为策略与收益。研究结果表明:科技企业与传统银行在金融科技化的演化策略为{进入,进入}或者{退出,退出}。同时通过分析得到双方合作所带来的增值收益和投机收益影响两个博弈主体最终的选择策略。考虑风险因素引入监督惩罚机制后,二者在金融科技化的演化策略为{进入,进入}。
Most of the traditional banks provide the public with the service mode of“one-to-one”manual counter business at a specific time to handle the financial services such as storage loans and financial products.Nowadays,under the impact of global financial technology innovation and application,many financial enterprises and technology enterprises gradually adopt new financial tools and means to upgrade and expand their financial business models.Some Internet enterprises quietly use financial technology means to take the lead in developing new financial businesses or new models and obtain higher profits.In the face of financial technological innovation,traditional financial institutions are also actively exploring and applying.In this paper,we establish a model of financial technology innovation and application strategy between technology enterprises and traditional banks,analyze the dynamic competition relationship and income between the two players,and introduce risk supervision mechanism to analyze the game behavior strategy and income of both sides.The results show that the evolution strategies of technology enterprises and traditional banks are{entry,entry}or{exit,exit}.At the same time,through the analysis,we get the final choice strategies of the two players,which are the value-added benefits and the speculative benefits.After considering the risk factors and introducing the supervision and punishment mechanism,the evolution strategy of the two in the financial technology is{enter,enter}.
作者
庄雷
周函
Zhuang Lei;Zhou Han
出处
《金融理论与实践》
北大核心
2020年第7期42-50,共9页
Financial Theory and Practice
基金
国家社科基金项目“金融科技创新驱动下数字货币信用创造及风险监管研究”(17CGL011)的阶段性成果。
关键词
传统银行
科技型企业
金融科技
演化博弈
惩罚机制
traditional bank
technological enterprise
financial technology
evolutionary game
punishment mechanism
