金融互联网情境下的银行“触电”战争研究

在互联网金融创新冲击下，传统金融机构纷纷进行互联网化，很多商业银行悄然进军电子商务领域以对抗互联网电商巨头对金融业务的蚕食。运用博弈论分析金融互联网下商业银行涉水电子商务的动机及竞争的短期均衡状态。出于个体理性，银行在电商化行动中的占优策略是（进入，进入），电商促销活动的短期纳什均衡策略是（进行，进行）。并采用仿真方法模拟银行对电商化及其促销活动的反应以及产生的均衡结果，进一步说明了银行选择电商化策略的必然性，最后得出短期竞争均衡是各商业银行电商化投资存在过度竞争并将处于亏损状态。

Research on War of E commerce Under the Trend of Finance Internet

Under the impact of internet financial innovation,traditional financial institutions made use of the Internet,and many commercial banks quietly entered the e-commerce in order to prevent oligarchs from eroding financial services market.The authors analyze the motions and short-term competitive equilibrium of Commercial Bank involved in E-commerce under finance internet with game theory.For individual rationality,the dominant strategy of banks in the E-commerce is(enter,enter)and short-term Nash equilibrium strategy of banks in the promotional activities of E-commerce is(conduct,conduct).Then the authors simulate reaction and equilibrium of banks involved into E-commerce and promotional activities,which illustrates necessity of banks involved into E-commerce,and concludes that short-term competitive equilibrium of banks about E-commerce investment is excessive competition and in a loss status.