我国农村电子支付市场中主体的博弈行为分析  

The Analysis of Partners' Game in Rural E-payment Market in China

作　　者：吴敬花[1,2] 蒋远胜[2,3] 帅青红[4] 

机构地区：[1]四川农业大学信息工程学院,四川雅安625014 [2]四川农业大学农林经济管理博士后流动站,四川成都611130 [3]四川农业大学经济学院,四川成都611130 [4]西南财经大学经济信息工程学院,四川成都611130

出　　处：《农业网络信息》2015年第9期38-44,共7页Agriculture Network Information

基　　金：国家社会科学基金"宏观和微观视角下的互联网金融监管研究"(编号:14BGL186);四川农业大学社科联研究课题"农村电子支付技术应用对支付制度创新的研究"(编号:03570549);四川省教育厅一般项目(人文社科)"互联网金融影响下的农村小额信贷信用机制研究"

摘　　要：农村电子支付因提高资金流运行而成为研究的热点之一,其参与主体对电子支付的选择行为对农村电子支付市场的进一步发展尤为重要。论文运用演化博弈理论,分析在农村电子支付发展过程中,金融机构的服务供给和农户的服务需求的演化状况,通过对经济主体选择电子支付成本、收益等因素的研究,得出结论如下:农村经济的发展有益于农村电子支付;农村电子支付动态演化使金融机构的服务供给和农户金融的需求方面将趋于一致;电子支付各主体为实现利益最大化,促使农村电子支付融入现代支付体系。Rural e-payment is becoming one of the hot researchtopics for the fact that it makes the fund run more efficiently. However, the further development of e-payment mainly depends on the partners＇ selection of it. According to the evolutionary game theory, this paper analyzed the evolution of financial institutions＇ service supply and farmers＇ service demand in the development process of e-payment. Based on the analysis of economic-subjects＇ selections on cost and profit and many other factors, it drew the following conclusions： the growth of rural economy was beneficial to the development of rural e-payment; the dynamic evolution can make the rural e-payment service supply and demand to be coincident; in order to make more benefits, the economic subjects led the rural e-payment to merge into CNAPS.

关 键 词：农村金融 金融服务 支付市场 博弈 

分 类 号：TP393[自动化与计算机技术—计算机应用技术]