工业工程

工业工程 ›› 2022, Vol. 25 ›› Issue (4): 36-44.doi: 10.3969/j.issn.1007-7375.2022.04.005

• 专题论述 • 上一篇    下一篇

考虑短视认知和羊群效应的互联网金融平台最优决策研究

夏雨, 魏明侠   

  1. 河南工业大学 管理学院，河南 郑州 450001
  • 收稿日期:2021-02-28 发布日期:2022-08-30
  • 作者简介:夏雨(1988—)，女，河南省人，副教授，博士，主要研究方向为互联网金融与供应链金融
  • 基金资助:
    国家社会科学基金资助项目(18BGL264, 19FGLB043)；河南省高等学校哲学社会科学创新团队资助项目(2019-CXTD-04)；河南工业大学青年骨干教师培育计划资助项目(2142004)

A Research on the Optimal Decision of Internet Financial Platform Considering Short-sighted Cognition and Herd Effect

XIA Yu, WEI Mingxia   

  1. School of Management, Henan University of Technology, Zhengzhou 450001, China
  • Received:2021-02-28 Published:2022-08-30

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摘要： 为探究短视认知和羊群效应对互联网金融平台项目准入决策的影响，基于行为经济学理论，分别构建单一平台和行业平台项目准入决策模型并求解；在此基础上，运用数值仿真的方法验证模型结果，并结合现实情景分析各因素对最优决策的影响。结果表明，短视认知影响互联网金融平台及行业的决策，认知偏差程度越大，平台的非理性程度也越高，从而使实际决策期的决策偏离计划期，更多低质量项目进入平台和行业。此外，羊群效应和短视平台数量占比也会影响行业的实际决策，使其表现出的决策偏差与单一平台的决策偏差存在较大的差异。为防止过多低质量项目进入造成的风险，监管者应当提高惩罚力度、多措并举降低平台的短视认知；同时,重视羊群效应的影响，避免羊群效应造成的负面影响进一步扩散。

关键词: 互联网金融平台, 项目准入决策, 短视认知, 羊群效应

Abstract: In order to explore the impact of short-sighted cognition and herd effect on project admission decision of Internet financial platform, decision models of a single platform and industry are respectively constructed on the basis of behavioral economics theory. Then, a numerical simulation method is used to verify the model results and analyze the influence of various factors on optimal decision in combination with actual scene. The results show that short-sighted cognition affects the decision of Internet financial platform and industry, and the greater the degree of cognitive deviation, the higher the degree of irrationality of the platform, so that the decision period of the actual decision period deviates from the planning period, and more low-quality projects enter the platform and industry. In addition, the herd effect and the proportion of short-sighted platforms will also affect the actual decision of the industry, which makes a big difference between the decision bias of industry and single platform. To prevent the risks posed by the entry of too many low-quality projects, regulators should increase penalties, take more measures and reduce the short-sighted awareness of the platform, while paying attention to the impact of herd effects to avoid further spread of the negative effects of herd effects.

Key words: Internet financial platform, project admission decision, short-sighted cognition, herd effect

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