基于种群动力系统模型的第三方电子支付平台分析

摘要

搜集了大量关于第三方电子支付平台的基本数据并对其进行了整理和分析得出其模型。首先讨论了衡量第三方电子支付平台业务水平的重要指标，并且通过模糊综合评价法对影响第三方电子支付平台业务水平的因素进行了模糊综合评判，得出了影响因素对第三方电子支付平台业务的影响规律；再建立了第三方电子支付平台之间的相互竞争模型，通过Matlab计算出模型中的相关参数；最后通过对应的差分方程，预测出支付宝所占的市场交易份额将会平稳增长，而财付通与汇付天下所占的市场交易份额将会受相互竞争的影响略有下降，快钱所占的市场份额将会继续保持。%This paper collects a lot of basic data on third-party electronic payment platform and then manages and analyzes these data as a result of its model. Firstly,the most important indicators to measure the e-business level of the third-party payment platform are discussed,and we use the fuzzy comprehensive evaluation method to evaluate the factors which affect the business level of the third-party electronic payment platform. Thus the law of how these factors work is obtained. Then,based on above analysis,we establish a competing model of third-party electronic payment platforms,calculate the correlation coefficient by Matlab,and present differential equations showing the competition among the third-party electronic payment platforms. Finally,we predict that the market share of Alipay will grow steadily via differential equations while the market share of money paid and China PNR will slightly de-crease under the impact of competition and the market share of fast money share will be maintained.