This paper takes credit business as the starting point and simulates the channel competition between commer-cial banks and fintech companies in the loan field through the Hotelling model.On this basis,a two-stage coopetitive game framework is constructed to demonstrate the possibility of cooperation between the two parties,attempting to explain the internal logic of the evolution of the competitive landscape between the two parties,as well as the key factors affecting cooperation.The research results indicate that,firstly,in competitive situations,the improvement of technological level,risk control capability,and management efficiency of commercial banks and fintech companies can all improve their operat-ing income;Secondly,there is a possibility of cooperation between commercial banks and fintech companies while compet-ing,and factors that affect the willingness to cooperate include credit service capabilities,customer stickiness,etc.
关键词
金融科技/信贷业务/竞合/Hotelling模型/两阶段竞合博弈
Key words
fintech/credit business/coopetitive/Hotelling model/two-stage coopetitive game
维普
万方数据