商业银行电商金融发展及其乘数效应研究  

Commercial Banks' E-Commerce Finance Development and Related Multiplier Effect Study

作　　者：董玉峰[1] 

机构地区：[1]中央民族大学经济学院,北京100081

出　　处：《金融理论与实践》2017年第8期42-46,共5页Financial Theory and Practice

基　　金：2016年河北省软科学研究计划项目"互联网金融支持我省科技型中小企业融资机制研究"(项目编号:164576459);2016年度河北省社会科学发展研究课题"互联网金融助推农村普惠金融发展研究"(课题编号:201606050112)

摘　　要：互联网金融正以新的价值理念深刻地影响着传统金融发展,电商金融作为互联网金融的典型模式,是传统商业银行与电商平台合作的重要结点。基于完全信息动态博弈模型分析,在市场竞争、分工互补、利益增进等因素驱动下,商业银行与电商平台存在合作动机与空间。通过把商业银行信用与电商交易数据结合,电商金融可以产生乘数效应,进而增加商业银行利润。可以加强信贷合同约束,创新电商金融产品,做大做强电商平台,加大金融基础环境建设,来增强商业银行电商金融业务发展能力。Internet finance is a new concept of profound impact on the traditional financial development,E-commerce business as a typical model of Internet finance,is an important node for the cooperation between traditional commercial banks and electric business platform.Based on the analysis of the complete information dynamic game model,the commercial bank and the E-commerce business platform have the motive and space of cooperation in the aspects of market competition,division of labor and complementarity,and interest promotion.By combining commercial and commercial credit and Ecommerce transaction data,E-commerce finance can generate multiplier effects,which in turn increases the profits of commercial banks.Should strengthen the credit contract constraints,Innovative financial business financial products,bigger and stronger power business platform,Increase the financial infrastructure construction,to enhance the financial development capacity of commercial banks.

关 键 词：商业银行 电商金融博弈 乘数效应 

分 类 号：F830.33[经济管理—金融学]