摘要
P2P在线借贷平台作为一种新型的信贷模式,其定价问题是P2P在线借贷平台运营的重要部分.将双边市场理论应用到P2P在线借贷平台中,考虑在双寡头竞争下,将组内网络外部性引入到标准Hotelling模型中,分析P2P在线借贷平台在两边用户均为单归属、一边为单归属另一边为部分多归属、双边均为部分多归属三种市场结构下的P2P在线借贷平台的定价问题.研究表明,加入组内网络外部性会降低平台对借款人和贷款人的定价,和市场结构无关.P2P借贷平台上的借款人和贷款人的归属情况相同时,平台对两边采取相同的定价,否则采取不同的定价.P2P在线借贷平台在初期发展阶段要先抢占市场份额,建立论坛、群组等促进用户多交流,可以有效地吸引更多用户加入平台.
P2Ponline lending platform as a new credit model,its pricing is an important part of the online P2 Plending platform operations.Analyzing pricing issue of P2 Ponline lending that has three kinds of market structure including both sides are single-homing,one singlehoming and another partial multi-homing and both partial multi-homing under the duopoly competition,through applying two-sided market theory to P2 Ponline lending,incorporated intra-group network externality into the standard Hotelling model.Studies have shown that intra-group network externality will reduce platform pricing for borrowers and lenders,which has nothing to do with market structure.Borrowers and lenders on P2 Ponline lending with same ownership will take same price,otherwise it will take different pricing.In the early stages of development,the platform should first seize market share,establish forums,groups,etc.to promote more exchanges,that can effectively attract more users to join the platform.
出处
《陕西科技大学学报（自然科学版）》
2016年第1期175-180,共6页
Journal of Shaanxi University of Science & Technology
基金
山西省教育厅高校人文社科重点基地项目(2013304)
