我国网贷平台的双边市场特征

发布时间：2018-05-25 17:08

本文选题：双边市场 + 网络外部性　；参考：《系统管理学报》2017年02期

【摘要】：作为典型的"双边市场",第三方电子商务平台具有用户网络外部性和价格非对称性两大重要特征。基于双边市场理论,采用联立方程模型实证分析了中国拍拍贷网络借贷平台的双边市场特征。结果表明:受到平台运作模式和市场供需的影响,借贷双方之间存在影响程度不同的正交叉网络外部性,借入者之间由于竞争具有显著负自网络外部性,而借出者之间由于协同作用存在正但不显著的自网络外部性;双边用户具有显著负价格弹性,平台定价策略表现为对借入者收取的费用远大于借出者费用,但该非对称价格结构存在过度倾向问题。研究结果在有助于了解该类第三方电子商务市场特征的同时,一定程度上验证了双边市场理论并提出了研究的不足,兼具实践和理论价值。
[Abstract]:As a typical "bilateral market", third-party e-commerce platform has two important characteristics: user network externality and price asymmetry. Based on the bilateral market theory, this paper empirically analyzes the bilateral market characteristics of China's PPDAI network lending platform by using the simultaneous equation model. The results show that due to the influence of platform operation mode and market supply and demand, there is a positive cross-network externality between the lenders and borrowers, and the competition among borrowers has a negative self-network externality. However, because of the positive but not significant self-network externalities among lenders, bilateral users have significantly negative price elasticity, and the platform pricing strategy shows that the fees charged to the borrowers are much higher than those of the lenders. However, the asymmetric price structure has the problem of excessive tendency. The results not only help to understand the characteristics of this kind of third party e-commerce market, but also verify the bilateral market theory to a certain extent and put forward the deficiency of the research, which has both practical and theoretical value.
【作者单位】：成都信息工程大学物流学院;
【基金】：国家自然科学基金资助项目(71603031,71473201) 国家社会科学基金资助项目(14BGL152) 四川省教育厅人文社科项目(14SB0116) 成都信息工程大学科研基金资助项目(J201522)
【分类号】：F724.6;F832.4

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