Asia-Pacific Journal of Mathematics and Statistics

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Evolutionary Game Analysis of Campus Credit Strategy Selection Under Incomplete Information Conditions

Received: 22 February 2019    Accepted: 16 April 2019    Published: 30 April 2019
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Abstract

Since the China Banking Regulatory Commission issued relevant policies on standardizing the credit card business of college students in 2009, college students'credit cards have gradually withdrawn from campus loan business. With the continuous development of the Internet, "network campus loan" re-entered the University campus in 2014, and seized the current situation of college students'lack of financial knowledge and the psychology of comparative consumption, the business volume expanded rapidly. Since then, the vicious events such as "10G bare strip" and "excessive profit collection"have also had a negative impact on society. In view of the above phenomena, this paper establishes an evolutionary game model between the campus network lending platform and the university student lenders from the perspective of evolutionary game, and discuss the influence of the changes of relevant parameters on the strategy choice of the players, and puts forward relevant suggestions to standardize the work of campus network lending.

Published in Asia-Pacific Journal of Mathematics and Statistics (Volume 1, Issue 1, March 2019)
Page(s) 1-6
Creative Commons

This is an Open Access article, distributed under the terms of the Creative Commons Attribution 4.0 International License (http://creativecommons.org/licenses/by/4.0/), which permits unrestricted use, distribution and reproduction in any medium or format, provided the original work is properly cited.

Copyright

Copyright © The Author(s), 2024. Published by Science Publishing Group

Keywords

Campus Online Loan, Evolutionary Game, Replication Dynamic Equation, Evolutionary Stability Strategy

References
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[3] 杨剑,祁金祥,王慧婷,徐佳.高校“校园贷”现状及风险控制研究[J].合作经济与科技,2019(07):64-66.
[4] 洪秋雨,朱达砚,陈璇.“校园贷”现状、问题及对策分析文献综述[J].现代营销(下旬刊),2019(03):45-47.
[5] 焦聪聪,焦雨晴,李灿,吴晓光,张雷.大学生校园贷的发展现状及应对策略[J].中国商论,2019(05):44-46.
[6] 熊熊,张维娜.基于演化博弈理论的P2P平台监管机制研究[J].经济研究导刊,2018(36):128-129+145.
[7] 戎明杰,刘华林,李国鑫,陈凯帆,刘家城,刘金芸.关于校园贷的现状分析及对策研究[J].现代经济信息,2018(10):318.
[8] 韩峥璐.P2P网络借贷行为博弈分析[J].合作经济与科技,2019(05):64-66.
[9] 鞠书婷,刘凡钰,李忠霞.大学生网贷消费和金融素养调查[J].合作经济与科技,2019(08):47-49.
[10] 郑春梅,贾珊珊.博弈视角下我国校园贷平台规范发展的机制设计[J].对外经贸,2016(09):120-122+132
[11] 姚明君,郑珍珍,王凤鸣,许释焓,李颖星.基于学生视角的校园贷现存问题[J].合作经济与科技,2017(21):56-57.
[12] 王岩. 高校校园贷 缘何变成了“校园害”?[N]. 民主与法制时报,2018-10-14(007).
[13] 刘菲,陈婷婷.P2P网贷信用风险演化机制——基于演化博弈视角的分析[J].金融经济,2018(12):124-126.
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Author Information
  • College of Mathematics and Statistics, Northwest Normal University, Lanzhou, China

  • College of Mathematics and Statistics, Northwest Normal University, Lanzhou, China

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    Guoshun Ma, Chonghui Ma. (2019). Evolutionary Game Analysis of Campus Credit Strategy Selection Under Incomplete Information Conditions. Asia-Pacific Journal of Mathematics and Statistics, 1(1), 1-6.

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    Guoshun Ma; Chonghui Ma. Evolutionary Game Analysis of Campus Credit Strategy Selection Under Incomplete Information Conditions. Asia-Pac. J. Math. Stat. 2019, 1(1), 1-6.

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    Guoshun Ma, Chonghui Ma. Evolutionary Game Analysis of Campus Credit Strategy Selection Under Incomplete Information Conditions. Asia-Pac J Math Stat. 2019;1(1):1-6.

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  • @article{10037740,
      author = {Guoshun Ma and Chonghui Ma},
      title = {Evolutionary Game Analysis of Campus Credit Strategy Selection Under Incomplete Information Conditions},
      journal = {Asia-Pacific Journal of Mathematics and Statistics},
      volume = {1},
      number = {1},
      pages = {1-6},
      url = {http://www.sciencepg.com/article/10037740},
      abstract = {Since the China Banking Regulatory Commission issued relevant policies on standardizing the credit card business of college students in 2009, college students'credit cards have gradually withdrawn from campus loan business. With the continuous development of the Internet, "network campus loan" re-entered the University campus in 2014, and seized the current situation of college students'lack of financial knowledge and the psychology of comparative consumption, the business volume expanded rapidly. Since then, the vicious events such as "10G bare strip" and "excessive profit collection"have also had a negative impact on society. In view of the above phenomena, this paper establishes an evolutionary game model between the campus network lending platform and the university student lenders from the perspective of evolutionary game, and discuss the influence of the changes of relevant parameters on the strategy choice of the players, and puts forward relevant suggestions to standardize the work of campus network lending.},
     year = {2019}
    }
    

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  • TY  - JOUR
    T1  - Evolutionary Game Analysis of Campus Credit Strategy Selection Under Incomplete Information Conditions
    AU  - Guoshun Ma
    AU  - Chonghui Ma
    Y1  - 2019/04/30
    PY  - 2019
    T2  - Asia-Pacific Journal of Mathematics and Statistics
    JF  - Asia-Pacific Journal of Mathematics and Statistics
    JO  - Asia-Pacific Journal of Mathematics and Statistics
    SP  - 1
    EP  - 6
    PB  - Science Publishing Group
    UR  - http://www.sciencepg.com/article/10037740
    AB  - Since the China Banking Regulatory Commission issued relevant policies on standardizing the credit card business of college students in 2009, college students'credit cards have gradually withdrawn from campus loan business. With the continuous development of the Internet, "network campus loan" re-entered the University campus in 2014, and seized the current situation of college students'lack of financial knowledge and the psychology of comparative consumption, the business volume expanded rapidly. Since then, the vicious events such as "10G bare strip" and "excessive profit collection"have also had a negative impact on society. In view of the above phenomena, this paper establishes an evolutionary game model between the campus network lending platform and the university student lenders from the perspective of evolutionary game, and discuss the influence of the changes of relevant parameters on the strategy choice of the players, and puts forward relevant suggestions to standardize the work of campus network lending.
    VL  - 1
    IS  - 1
    ER  - 

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