| 违约赔偿机制下的互联网金融投资理财产品质量均衡模型 |
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| 引用本文： | 詹欣,尚妍.违约赔偿机制下的互联网金融投资理财产品质量均衡模型[J].系统工程理论与实践,2016,36(6):1415-1421. |
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| 作者姓名： | 詹欣 尚妍 |
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| 作者单位： | 1. 中国科学院大学 经济与管理学院, 北京 100190;2. 中国支付清算协会, 北京 100033;3. 中国工商银行博士后工作站, 北京 100032 |
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| 基金项目： | 国家自然科学基金(71390330,71390331) |
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| 摘 要： | 本文构建违约赔偿机制下的互联网金融投资理财产品质量均衡模型,描述产品提供方,产品购买方,保险公司等市场参与主体的基本行为和效用.通过数理分析研究互联网金融投资理财产品质量,质量控制成本系数,产品提供方先行赔付金额和保险公司担保补偿金额等参数之间的动态关系.对国内典型互联网金融投资理财产品进行比较,并提出相应的客户保护政策建议.
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| 关 键 词： | 互联网金融 产品质量 违约风险 赔偿机制 |
| 收稿时间： | 2014-07-03 |
Equilibrium model of internet based financial investment product quality under the default compensation mechanism |
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| ZHAN Xin,SHANG Yan.Equilibrium model of internet based financial investment product quality under the default compensation mechanism[J].Systems Engineering —Theory & Practice,2016,36(6):1415-1421. |
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| Authors: | ZHAN Xin SHANG Yan |
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| Institution: | 1. School of Economics and Management, University of Chinese Academy of Sciences, Beijing 100190, China;2. Payment and Clearing Association of China, Beijing 100033, China;3. Post-Doctoral Research Center, Industrial and Commercial Bank of China Limited, Beijing 100032, China |
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| Abstract: | Under the default compensation mechanism, an equilibrium model of internet based financial investment product quality is established to describe the market participants' behaviors and utilities, such as product supplier, product buyer and insurance company. The mathematical analysis method is used to research the dynamic relationship of internet based financial investment product quality, cost coefficient of quality control, the amount of compensation in advance by product supplier and the covered compensation amount by insurance company. Comparing the typical investment products of internet based finance in China, several policy advices are proposed for customer protection. |
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| Keywords: | internet based finance product quality default risk compensation mechanism |
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