Scholarlink

<p>We employ biomimetic algorithms to investigate the trade-off between cooperation and competition in the Chinese deposit insurance market. Our study introduces two key innovations. First, we develop two novel analytical models for assessing the state of the deposit insurance market, evaluated using the synthesis of convergence curve graphs, Quantile-Quantile plots, and 3D surface maps. Second, we construct an AHP-DEA-Malmquist model based on input-output analysis and both static and dynamic assessments to examine changes in bank efficiency during different states of the deposit insurance market between 2015 and 2023. Our findings reveal that the cooperation within competition model aligns more closely with the realities of China’s insured banking market, demonstrating superior performance through convergence and simulation analyses. Using real data from insured banks, we confirm the positive impact of the 2015 market state and the negative impact of the 2021 market state on banking efficiency from a time-series perspective. This study addresses performance issues in the Chinese deposit insurance market that previous research has insufficiently explored. Moreover, the novel optimization algorithms we propose open new avenues for solving numerous practical financial and economic challenges.</p>

错误：搜索内容不能为空，请输入英文关键词
错误：关键词超出字数限制，请精简
高级检索

Competition Within Cooperation or Cooperation Within Competition? China’s Deposit Insurance Market and Bio-Inspired Algorithms

  • 期刊论文

  • 发表日期：

    2025年10月21日

查看全文
  • Rongji Zhou,
  • Shuai Yao,
  • Jacky Yuk-Chow So,
  • Qing Wang

摘要

We employ biomimetic algorithms to investigate the trade-off between cooperation and competition in the Chinese deposit insurance market. Our study introduces two key innovations. First, we develop two novel analytical models for assessing the state of the deposit insurance market, evaluated using the synthesis of convergence curve graphs, Quantile-Quantile plots, and 3D surface maps. Second, we construct an AHP-DEA-Malmquist model based on input-output analysis and both static and dynamic assessments to examine changes in bank efficiency during different states of the deposit insurance market between 2015 and 2023. Our findings reveal that the cooperation within competition model aligns more closely with the realities of China’s insured banking market, demonstrating superior performance through convergence and simulation analyses. Using real data from insured banks, we confirm the positive impact of the 2015 market state and the negative impact of the 2021 market state on banking efficiency from a time-series perspective. This study addresses performance issues in the Chinese deposit insurance market that previous research has insufficiently explored. Moreover, the novel optimization algorithms we propose open new avenues for solving numerous practical financial and economic challenges.