微分博弈模型下的金融科技服务合作创新——基于消费者反馈视角  

Cooperative Innovation of Financial Technology Services under Differential Game Model:Based on the Perspective of Consumer Feedback

作　　者：金浩[1] 安明 卢颖 Jin Hao;An Ming;Lu Ying(School of Economics and Management,Hebei University of Technology,Tianjin 300401,China)

机构地区：[1]河北工业大学经济管理学院,300401

出　　处：《南开经济研究》2022年第5期145-164,共20页Nankai Economic Studies

基　　金：国家社会科学基金项目“我国证券流动性风险的影响因素与预警机制研究”(19BGL054);国家社会科学基金青年项目“我国老年人决策行为异质性与金融欺诈风险预警及防控研究”(20CRK010);河北省社科重点项目“河北省农村金融生态系统演化与治理机制研究”(HB19GL003)的资助。

摘　　要：数据要素时代下,商业银行需要不断加强金融科技技术融合和应用以适应不断变化的消费者需求,与金融科技企业进行合作创新已成为主流趋势。本文立足消费者中心原则,应用微分对策理论研究商业银行和金融科技企业合作创新问题,构建基于技术创新的金融科技服务供应链动态博弈模型,比较集中式决策、无契约的分散式决策和两种合作契约的分散式决策下的均衡结果。研究表明,消费者反馈对开发商和供应商的定价策略影响不大,但会影响开发商的技术创新投入和金融科技服务内在技术先进度;消费者对价格不敏感或对技术先进度敏感时,较高的收益共享契约和较低的成本分担契约有利于稳定合作关系;在一定条件下,供应链内部成员不会同时选择同一合作契约,此时可以考虑一次性转让合同使双方决策行为一致。In the era of data elements,commercial banks need to continuously strengthen the integration and application of financial technology to meet the changing needs of consumers.Cooperative innovation with financial technology enterprises has become the main stream trend.Based on the consumer centered principle,this paper applies the differential game theory to study the cooperative innovation between commercial banks and fintech enterprises,constructs a dynamic game model of fintech service supply chain based on technological innovation,and compares the equilibrium results under centralized decision-making,decentralized decision-making without contract and decentralized decision-making with two cooperative contracts.The research shows that consumer feedback has little impact on the pricing strategies of developers and suppliers,but it will affect the technological innovation investment of developers and the internal technological progress of financial technology services;When consumers are not price sensitive or sensitive to technological advancement,higher revenue sharing contract and lower cost sharing contract are condu-cive to stabilizing the cooperative relationship;Under certain conditions,internal mem-bers of the supply chain will not choose the same cooperation contract at the same time.At this time,one-time transfer of the contract can be considered to make the decision-making behavior of both parties consistent.

关 键 词：金融科技服务 消费者反馈 合作创新 微分博弈 

分 类 号：C73[社会学] D21[政治法律—政治学]