关键词: 消费金融, 分期产品, 动态博弈, 服务组合, 寡头垄断市场

Abstract: More and more consumer finance enterprises focus on segmentation of consumption scenarios. This paper explores the relationship between two groups in consumer finance market from the perspective of dynamic game, that is, the provider of consumer financial installment products (CFIP) provides services and users can select the CFIP service automatically. Studies have shown that under certain conditions of infinite repeat games, there is a specific subgame perfect Nash equilibrium. The subgame of the finite-time repeat game is a perfect Nash equilibrium, which enables the same service portfolio for each of the CFIP at each stage, so that the CFIP can develop a grid-based service portfolio for different groups of users. In an ideal world, the CFIP can obtain a larger market share and benefit when it introduces a variety of differentiated, grid-based service combinations. Based on survey data, the simulation verifies the price monopoly status of the CFIP in the monopolistic market and the dynamic game process of various CFIP in the oligopoly market, and provides the method to develop service portfolio according to the characteristics of user groups. The management and marketing suggestions are given, which has a referential significance for CFIP to enhance corporate competitiveness and obtain stable growth returns.

Key words: consumer finance, installment products, dynamic game, service portfolio, oligopoly market