Research On P2P Network Financial Supervision Based On Evolutionary Game Model And Simulation

In the 21 st century,accompanied by the fusion of information technology and financial industry innovation,Internet finance has become a trend nowadays.Based on the electronic commerce network platform,which provides microfinance transactions between individuals to realize information interaction and borrowing funds,P2 P network finance is constantly changing the development mode of traditional financial sector.In 2016 national P2 P network credit volume reached 1.9544 trillion yuan,increased 98.96% compared with last year,showing the rapid development of P2 P network finance.Due to the lack of relevant laws and supervision,P2 P network finance risk problem is increasingly prominent.This paper establishes the evolutionary game model between the network loan platform and regulators,providing simulation analysis and corresponding measures.Firstly,domestic and foreign P2 P network financial regulation and evolutionary game theory are summarized in this paper,and it provides theoretical basis for financial regulation.Secondly,according to the existing P2 P network financial operation pattern and its risk,analyzes the existing regulatory model in our country,points out shortcomings of P2 P network financial supervision in our country.Lastly,through the establishment of evolutionary game model of P2 P network,using the simulation software to analyze supervision cost,social evaluation,excess return and penalty on compliance regulation and platform operation effect.It puts forward some P2 P network financial regulation methods,including the regulatory definition of the subject and object,supervision mode,content and other regulatory protection measures,etc.Through perfecting the existing regulatory system,achieves the effect of supervision and makes P2 P network financial legal compliance in the orderly and healthy development.