| 监管科技影响下互联网金融监管演化博弈研究 |
| Evolution game study of Internet finance supervision under the regulatory technology |
| 摘要点击 174 全文点击 0 投稿时间：2020-04-17 修订日期：2020-10-09 |
| 查看/发表评论 下载PDF阅读器 |
| 中文关键词 监管科技; 互联网金融; 金融监管; 演化博弈 |
| 英文关键词 regulatory technology; internet finance; financial supervision; evolutionary game |
| 基金项目 国家社会科学基金；河北省自然科学基金 |
| 作者 | 单位 | 邮编 | | 李杰 | 河北工业大学经济管理学院 | 300401 | | 郭栋炜* | 河北工业大学经济管理学院 | | | 杨芳 | 河北工业大学经济管理学院 | | | 张睿 | 河北工业大学经济管理学院 | |
|
| 中文摘要 |
| 为明确监管科技对互联网金融行业监管的影响,构建了互联网金融企业与金融监管机构的演化博弈模型,分析了监管科技对博弈双方演化稳定策略选择的影响.结果表明,互联网金融监管易陷入此消彼长的博弈对抗状态,而监管科技的引入能够打破双方的不良策略选择,使系统进入严格监管、合规经营的相对稳定状态;监管科技的投入程度、成本节约及其风险识别能力是影响监管科技应用效果的关键因素.因而,政府应完善各级金融监管机构政绩考核制度,提供技术和制度保障促进监管科技发展,落实监管科技应用,以防范金融风险. |
| 英文摘要 |
| To specify the influence of regulatory technology on the internet financial industry supervision,thispaper constructed an evolutionary game model between internet financial enterprises and financial regulators,analyzed the impact of regulatory technology on the evolutionary stability strategy of both parties.Results
show that,internet financial supervision is easy to fall into the state of game confrontation,while introducingregulatory technology can break the bad strategy choices of both parties,and make the system reach the stable state of strict supervision and compliance operation.The commitment degree,the abilities of cost saving and risk identification are the key factors affecting the application of regulatory technology.Therefore,in order to prevent financial risks,the government should improve performance appraisal of financial regulators at all levels,promote the development and further implement application of regulatory technology by providing technical and institutional guarantees. |
| 关闭 |
|
|
|
|
|
