个人信用标签披露对陌生人之间合作的影响分析——基于理论和实验的研究

在当今的社会经济中,随着各种电子交易平台的快速发展,发生在陌生人之间的交易越来 越多,越来越多的人牵涉进陌生人之间进行的经济往来,例如淘宝交易、滴滴专车服务、P2P 信贷等等。鉴于此现象,合理设计相关机制以促进陌生人之间的合作当今经济中显得愈发重要 。. 本项目着眼于研究在异质性的陌生代理人之间的合作中,个人特质标签披露对于合作成功率的影响。本项目结合理论博弈论的模型框架及实验经济学的方法对此问题展开研究。其中,在理论博弈论框架中使用静态博弈模型及动态博弈模型进行理论分析,并允许代理人由于对不平等规避的态度差异、对合作具有与生俱来的不同倾向性。我们将求解出模型对应的纳什均衡及贝叶斯均衡,以给出披露代理人的合作倾向性对于合作成功率的影响的理论预测。在本项目的实验部分,我们将使用实验室方法对理论预测进行检验,利用实验结果对理论预测的误差进行修正、并进一步尝试给出其行为解释。

As the rapid development of various online trading platforms, interactions amongst strangers grow fast. More and more individuals.are involved in economic interactions with strangers who they have never met before and will never after, examples including shopping on Alibaba online platform, peer-to-peer lending, Uber service, etc. Given this phenomenon, designing and implementing an appropriate mechanism to enhancing the cooperation amongst strangers becomes an important issue in the modern economy. This project aims to investigate the influence of revealing certain types of information on the cooperation rate amongst strangers. We will combine the game-theoretic and the experimental methods in this study. The theoretical part will start with a static game-theoretic model, allowing individual heterogeneity regarding their social preference levels and the intrinsic interests in cooperation. We will further extend the model into a dynamic framework. The Nash equilibrium and Bayesian equilibrium analysis for the respective static and dynamic models will give the theoretic prediction of the information effect on the cooperation rates amongst the strangers. We will further conduct an experiment to test the theoretic prediction and aim to adjust the prediction.using the experimental observations, and provide behavioural explanations to the biases in the theoretic prediction.