P2P网贷平台运营与政府监管的信号博弈分析
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摘要
针对我国P2P网贷行业频发的平台跑路现象,本文首先基于信号博弈的思想建立了P2P网贷平台与政府监管的博弈模型,接着给出系统分离均衡和混同均衡存在的条件,分析了准分离均衡下参与方的行为与收益,最后结合博弈分析结果提出了相关建议。
Dealing with the frequent phenomenon of P2 P lending platform run,we firstly establish game model between P2 P lending platform and government based on signal game theory,and then we parse the conditions of separating equilibrium and pooling equilibrium.in addition,we analyze the benefits and the behaviors of the participants under semi-separating equilibrium. Finally,we put forward some suggestions based on the analysis results of game.
Dealing with the frequent phenomenon of P2 P lending platform run,we firstly establish game model between P2 P lending platform and government based on signal game theory,and then we parse the conditions of separating equilibrium and pooling equilibrium.in addition,we analyze the benefits and the behaviors of the participants under semi-separating equilibrium. Finally,we put forward some suggestions based on the analysis results of game.
引文
[1]Chen D,Lai F,Lin Z.A trust model for online peer-topeer lending:a lender’s perspective[J].Information Technology and Management.2014,15(4):239-254.
[2]Laura L,Jiang L,Larrimore J.Peer to Peer Lending:The Relationship Between Language Features,Trustworthiness,and Persuasion Success[J].Journal of Applied Communication Research.2011,39(1):19-37.
[3]沈焱萍,郭娜,王小英.基于最优节点选择机制的P2P网络信誉模型[J].科技通报,2015,10:254-257.
[4]张鑫.基于小区域断点检测的P2P网络快速通行算法[J].科技通报,2013,10:146-148.
[5]冯芷艳,郭迅华,曾大军,等.大数据背景下商务管理研究若干前沿课题[J].管理科学学报,2013,01:1-9.
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[9]王达.美国互联网金融的发展及中美互联网金融的比较——基于网络经济学视角的研究与思考[J].国际金融研究,2014,12:47-57.
[10]福建南平银监分局课题组,陈树福.P2P网络借贷监管的效益与路径——基于演化博弈论视角的研究[J].金融监管研究,2014,07:23-39.
[11]帅青红.P2P网络借贷监管的博弈分析[J].四川大学学报(哲学社会科学版),2014,04:133-138.
[12]宫晓林.P2P网络借贷风险与监管——基于有限理性假设的分析[J].投资研究,2014,06:29-40.
[13]朱晓峰,陈楚楚.我国P2P网络借贷的信号博弈分析[J].南京工业大学学报(社会科学版),2014,02:127-132.
[14]周佳丽.基于博弈和演化视角的我国P2P网贷模式分析[J].北方金融,2015,02:31-34.
[15]张维迎.博弈论与信息经济学[M].上海:格致出版社,2004,11.
[2]Laura L,Jiang L,Larrimore J.Peer to Peer Lending:The Relationship Between Language Features,Trustworthiness,and Persuasion Success[J].Journal of Applied Communication Research.2011,39(1):19-37.
[3]沈焱萍,郭娜,王小英.基于最优节点选择机制的P2P网络信誉模型[J].科技通报,2015,10:254-257.
[4]张鑫.基于小区域断点检测的P2P网络快速通行算法[J].科技通报,2013,10:146-148.
[5]冯芷艳,郭迅华,曾大军,等.大数据背景下商务管理研究若干前沿课题[J].管理科学学报,2013,01:1-9.
[6]谢平,邹传伟,刘海二.互联网金融监管的必要性与核心原则[J].国际金融研究,2014,08:3-9.
[7]禹海慧.我国P2P网络贷款平台的弊端及管理[J].中国流通经济,2014,02:121-127.
[8]王国刚,张扬.互联网金融之辨析[J].财贸经济,2015,01:5-16.
[9]王达.美国互联网金融的发展及中美互联网金融的比较——基于网络经济学视角的研究与思考[J].国际金融研究,2014,12:47-57.
[10]福建南平银监分局课题组,陈树福.P2P网络借贷监管的效益与路径——基于演化博弈论视角的研究[J].金融监管研究,2014,07:23-39.
[11]帅青红.P2P网络借贷监管的博弈分析[J].四川大学学报(哲学社会科学版),2014,04:133-138.
[12]宫晓林.P2P网络借贷风险与监管——基于有限理性假设的分析[J].投资研究,2014,06:29-40.
[13]朱晓峰,陈楚楚.我国P2P网络借贷的信号博弈分析[J].南京工业大学学报(社会科学版),2014,02:127-132.
[14]周佳丽.基于博弈和演化视角的我国P2P网贷模式分析[J].北方金融,2015,02:31-34.
[15]张维迎.博弈论与信息经济学[M].上海:格致出版社,2004,11.