数据与计算发展前沿2026，Vol.8Issue(1)：14-26,13.DOI:10.11871/jfdc.issn.2096-742X.2026.01.002
智能合约赋能预付款监管的动力学分析
Dynamics Analysis of Smart Contract Enabled Advance Payment Regulation—Based on Payment Choice Perspective
摘要
Abstract
[Objective]Under the perspective of payment choice,it is important to explore the strategy evo-lution rules of consumers,merchants,and the government at different stages of the prepaid con-sumption market of smart contract application,which is important for the long-term mechanism of preventing fund misappropriation and regulating the destination of funds.[Methods]Taking consumers'prepaid payment method as the entry point,we constructed a three-party evolution-ary game model among consumers,merchants,and the government,and simulated and ana-lyzed the stability of the equilibrium strategy combinations of the game system as well as the in-fluence relationship of the parameters by using Matlab 2021a.[Results]This paper shows that under different scenarios of smart contract application in the prepaid consumer market,the evo-lutionary system evolves and eventually stabilizes towards{traditional payment,no runaway,loose regulation},{traditional payment,no runaway,strict regulation},and{CBDC payment,no runaway,strict regulation},respectively,and the simulation results further validate the stability of the equilibri-um of the evolutionary equilibrium in different stages.[Conclusions]Government departments adopt more flexible and dynamic platform regulatory measures and guide consumers to actively use CBDC for prepaid payment,which is conducive to realizing the healthy development and stable operation of the smart contract-enabled prepaid market.关键词
智能合约/央行数字货币(CBDC)/预付款监管/演化博弈Key words
smart contracts/Central Bank Digital Currency(CBDC)/prepayment regulation/evolutionary game引用本文复制引用
朱晓玲,朱建明..智能合约赋能预付款监管的动力学分析[J].数据与计算发展前沿,2026,8(1):14-26,13.基金项目
国家重点研发计划项目(2017YFB1400700) （2017YFB1400700）
