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互联网金融企业的联合、串谋策略将提高自身的利润,推高金融产品的整体价格,但策略行为实施需要内部具备强有力的惩罚机制,并且要基于银行没有扩大产能,向金融市场提供大量可替代互联金融产品的前提下才能实现。在引入对未来预期收益分析后发现,对未来的乐观预期会显著降低互联网金融企业和银行结成联盟的概率,加剧市场竞争,从而使整个金融市场的结构更趋分散。
The joint and collusive tactics of Internet financial enterprises will increase their own profits and push up the overall prices of financial products. However, the implementation of strategic acts needs to have a strong punishment mechanism internally and should be based on the fact that banks have not expanded their production capacity to provide a large number of financial markets Alternative Internet financial products under the premise can be achieved. After introducing the analysis of expected future earnings, it is found that optimistic expectations about the future will significantly reduce the probability of forming an alliance between Internet financial enterprises and banks, exacerbating market competition and further dispersing the structure of the entire financial market.