第三方支付企业与银行收益分配研究

Huo Hong, Wei Yu
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引用次数: 0

摘要

第三方支付企业与银行之间的冲突逐渐增多,主要是利益冲突,收益分配问题显得更为重要。鉴于市场的重要性,引入服务供应链的理论框架,并在此基础上制定合理的收益分配方案,通过引入现代博弈论的思想和分析方法,建立收益分配模型,研究供应链成员的收益分配问题。得出企业成员追求利润最大化所付出的努力水平与其分配比成正比,与其隐性成本比平方成反比的结论;为了实现供应链的最大总收入,每个成员的分配比例应该与其贡献比例成正比,与其隐性成本比例成反比。验证了数值分析结论的实用性。
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Research on Revenue Distribution of the Third-Party Payment Enterprise and Bank
Conflicts between the third-party payment enterprise and bank are increasing gradually, the main conflict is interest, revenue distribution issue seems to be more important. Because of the importance of the market, introducing theoretical framework of service supply chain and enact reasonable revenue distribution plan on that basis, it establishes revenue distribution model through introducing idea and analytical method of modern game theory and researches revenue distribution issue of members in supply chain. Have the conclusions that effort level paid by enterprise members seeking their max profit is proportional to their distribution ratio and is in inverse proportion to their implicit cost ratio square; In order to achieve largest total income of supply chain, each member’s distribution ratio should be proportional to their contribution ratio and in inverse proportion to their implicit cost ratio. It proved practicability of the conclusions from the numerical analysis.
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