互聯(lián)網(wǎng)金融與傳統(tǒng)銀行競合策略分析——基于演化博弈視角

1、 獨創(chuàng)性聲明 本人聲明所呈交的學位論文是本人在導師指導下進行的研究工作和取得的研究成果， 除了文中特別加以標注和致謝之處外， 論文中不包含其他人已經(jīng)發(fā)表或撰寫過的研究成果，也不包含為獲得天津大學 天津大學或其他教育機構的學位或證書而使用過的材料。 與我一同工作的同志對本研究所做的任何貢獻均已在論文中作了明確的說明并表示了謝意。 學位論文作者簽名：簽字日期：年月日 學位論文版權使用授權書 本學位論文作者完全了解天津大學 天津大學有關保留、

2、 使用學位論文的規(guī)定。 特授權天津大學 天津大學可以將學位論文的全部或部分內容編入有關數(shù)據(jù)庫進行檢索，并采用影印、縮印或掃描等復制手段保存、匯編以供查閱和借閱。同意學校向國家有關部門或機構送交論文的復印件和磁盤。 （保密的學位論文在解密后適用本授權說明） 學位論文作者簽名：導師簽名： 簽字日期：年月日簽字日期：年月日 ABSTRACT Since 2012, the Internet finance industry is emergi

3、ng. Since 2012, the Internet finance industry is emerging. Internet Finance (ITFIN) is the industry that combines the traditional financial industry with the search engine technology, big data, social networking, cloud c

4、omputing and other Internet information and communication technology in area of investment financing, payment, new financial model information services. It has the mode of subsection party payment, P2P financing platform

5、s, crowd funding, and currency network. The rise of the Internet finance has a big impact of the traditional finance financial profit model in the traditional banking market, intermediary business and credit business. Th

6、e research on development strategy for the Internet finance and traditional banking has an important significance for China's financial market layout. Based on the above background, making Evolutionary Game Theory as

7、 the starting point, this paper establishes model about cooperation and competition strategy between Internet finance and traditional banks. Then it analyzes evolutionary stable strategy (ESS) and makes simulation with m

8、at lab. First, the paper reviews the research trends of Internet banking in domestic and on abroad, describes the Internet financial concepts and theoretical basis, summarizes the different modes of Internet financial, a

9、nd analyzes their respective advantages and disadvantages of traditional banks and Internet financial. Through case, from the perspective of macro and micro this paper illustrates the necessity of cooperation between the

10、 Internet finance and traditional banking. By analyzing the factors that can influence cooperative or competition strategy between Internet finance and traditional banking, this paper proposes cooperation and competition

11、 Evolutionary Game model, analysis evolutionary stable strategy (ESS), and makes simulation with mat lab. The results show that evolutionary stable strategy (ESS) is affected by factors these are initial proportion, coop

12、eration cost, negative utility of cooperation, cooperation revenue, monopolistic advantage and cost of default under some quantitative relation. Reducing cooperation cost and negative utility of cooperation while increas

13、ing cooperation revenue can promote both players tend to adopt a cooperative strategy. In addition, the player that has greater monopolistic advantage is less likely to cooperate; evolutionary stable strategy (ESS) is ir