互联网金融创新与监管边界的演化博弈分析

互联网金融创新的本质是嵌入互联网基因创新金融的业务服务方式,但无法消除金融的固有风险,因此把握互联网金融创新与监管边界的平衡关系是互联网金融健康发展的关键.首先,在分析互联网金融创新主体与监管部门之间博弈行为的基础上,构建互联网金融创新发展中两者之间的动态博弈模型.其次,运用演化博弈方法探讨双方群体博弈行为规律,解释互联网金融创新发展与监管边界之间关系.最后,监管条例的出台是从没有监管边界、双方博弈边界到确认监管边界的动态博弈过程.

The Evolutionary Game Analysis of Internet Financial Innovation and Regulatory Boundaries

The nature of internet financial innovation is to embed internet genes to innovate on the mode of financial service,but it cannot eliminate the inherent risks of finance,so the key of the healthy development of internet finance is the balance between internet financial innovation and regulatory boundaries.Firstly,the dynamic game model was built on the basis of analyzing the behavior of the game between the internet financial innovation agents and regulation section.Secondly,the game behaviors in both groups and the relationship between internet financial innovation and regulatory boundaries were ana-lyzed by using evolutionary game methods.Finally,the introduction of the regulations is the dynamic game process from non-boundaries,bargaining and validity.