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针对移动支付产业链,基于演化博弈的理论和方法,研究有限理性的移动运营商和金融机构之间的合作机制.首先分析了影响移动运营商和金融机构长期合作的因素,然后利用数值模拟进行仿真研究。理论研究和数值模拟的结果表明,移动运营商和金融机构合作是未来发展的趋势,而且,双方进行合作的概率与合作成功所获得的超额收益、单独研发收益、知识学习能力系数正相关、与背叛收益负相关;合理的资源共享和收益分配机制将有利于保证合作双方有利可图,并实现双赢的局面;合理的惩罚有利于减少背叛行为.
For the mobile payment industry chain, based on evolutionary game theory and method, this paper studies the limited rationality of the cooperation mechanism between mobile operators and financial institutions.First, the paper analyzes the factors that affect the long-term cooperation between mobile operators and financial institutions, and then uses numerical simulation simulation Research. The results of theoretical research and numerical simulation show that the cooperation between mobile operators and financial institutions is the trend of future development. Moreover, the probability of cooperation between the two parties is positively correlated with the excess returns obtained from successful cooperation, the income from separate R & D and the coefficient of knowledge learning ability, and Negative betrayal revenue; reasonable resource sharing and revenue distribution mechanism will help ensure that both parties are profitable and achieve a win-win situation; reasonable punishment is conducive to reducing the betrayal.