基于合作博弈的移动支付商业模式优化研究  

Research on strategy structure optimization of mobile payment business model based on cooperative game

作　　者：王选飞 吴应良 肖炯恩[1] 

机构地区：[1]华南理工大学经济与贸易学院电子商务系,广州510006

出　　处：《系统工程理论与实践》2016年第9期2268-2275,共8页Systems Engineering-Theory & Practice

基　　金：国家自然科学基金(70440011);国家社会科学基金(14BTQ009);省部产学研重大专项课题(2009B090200062)~~

摘　　要：移动支付是近年来的热门发展方向,但是目前我国的移动支付还没有形成统一的商业模式,已有的研究没有量化各参与主体的价值贡献,导致利益分配产生冲突.研究采用博弈论方法,探讨移动支付过程中通信运营商、金融机构、第三方支付平台三方合作的商业模式,基于Shapley值法分析不同参与主体的协同效应并对价值贡献进行量化,为合作利益的分配提供依据,最后分析了移动支付三方参与主体之间不同的博奔合作机制,为构建有效的商业模式提供参考.Mobile payment is the most popular development direction in recent years, but our country has not formed a unified business model at present, the previous studies did not quantify the contribution value of each participant and lead to conflicts of interest allocation. This paper uses game theory to study tripartite cooperation among telecommunications operators, financial institutions and third-party payment platform of mobile payment business model, analysis synergistic effect of different participants based on Shapley method and quantify the value of contribution, provide the basis for the distribution of cooperation surplus. Finally, this paper analyzes three cooperation mechanism of mobile payment among tile participants and gives a reference for building an effective business model.

关 键 词：移动支付 商业模式 合作博弈 价值贡献 SHAPLEY值 

分 类 号：F724[经济管理—产业经济]