移动支付协作模式的影响因素分类探讨及仿真研究  

Exploratory Discussion and Simulation Study on the Factors Influencing the Cooperative Patterns of Mobile Payment

作　　者：张千帆[1] 曹翠翠[1] 

机构地区：[1]华中科技大学管理学院,湖北武汉430074

出　　处：《数学的实践与认识》2013年第19期26-35,共10页Mathematics in Practice and Theory

基　　金：中央高校基本科研业务费专项资金"互联网开放环境下平台商与应用开发商的合作机制研究"(2011QN105)

摘　　要：针对移动支付产业链,基于演化博弈的理论和方法,研究有限理性的移动运营商和金融机构之间的合作机制.首先分析了影响移动运营商和金融机构长期合作的因素,然后利用数值模拟进行仿真研究。理论研究和数值模拟的结果表明,移动运营商和金融机构合作是未来发展的趋势,而且,双方进行合作的概率与合作成功所获得的超额收益、单独研发收益、知识学习能力系数正相关、与背叛收益负相关;合理的资源共享和收益分配机制将有利于保证合作双方有利可图,并实现双赢的局面;合理的惩罚有利于减少背叛行为.For industry chain of mobile payment, cooperation mechanism between bounded rational mobile operators and financial institutions is studied On the basis of evolutionary game theory. Firstly, the influential factors of the cooperation between mobile operators and financial institutions are analyzed; then, data simulation is applied to simulation study. The result of theory research and data simulation shows that cooperation between mobile operators and financial institutions is the trend; moreover, the probability of cooperation of both sides has a positive relation with excess income of cooperation and independent product development and the coefficient of the ability to learn and a negative relation with betrayal income; reasonable resource shared and proportion of excess income allocation will effectively benefit both sides and achieve a win-win situation; reasonable punishment will effectively reduce betrayal.

关 键 词：移动支付 协作模式 演化博弈 移动运营商 金融机构 

分 类 号：F626[经济管理—产业经济]