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随着我国P2P行业的不断发展,越来越多的银行参与到P2P借贷业务中来,在相同的互联网环境下银行系P2P和非银行系P2P各有优劣。本文通过建立描述种群竞争的Lotka-Volterra模型,运用Matlab仿真不同状态下银行系P2P和非银行系P2P的竞争演化。结果发现,银行系P2P和非银行系P2P之间的竞争存在稳定平衡的理想状态,最后从银行系P2P和非银行系P2P两个角度提出建议,以实现其竞争演化的理想状态。
With the continuous development of P2P industry in our country, more and more banks are involved in the P2P lending business. In the same Internet environment, P2P and non-bank P2P systems have their own advantages and disadvantages. In this paper, Lotka-Volterra model describing population competition is established, and the competition evolution between bank-based P2P and non-bank-based P2P under different states is simulated by using Matlab. The results show that the competition between bank-based P2P and non-bank-based P2P systems is in an ideal state of stable equilibrium. Finally, suggestions are put forward from the perspectives of bank-based P2P and non-bank-based P2P so as to realize the ideal state of its competitive evolution.