支付工具支付量和金额分布特征下的网络外部性分析

发布时间：2018-06-03 18:45

本文选题：支付工具 + 网络外部性　；参考：《金融理论与实践》2016年12期

【摘要】：尽管电子支付工具的发展大大降低了支付成本,但这并不意味着传统支付工具的消失,其主要原因除了用户间的网络外部性外,还包括由支付工具成本结构差异导致的不同支付工具偏向不同支付金额范围。对此,结合葡萄牙和澳大利亚调查研究相关数据分析支付工具支付量与支付金额分布特征,并将支付工具由于成本结构差异所导致的支付分布差异与支付工具市场用户间网络外部性相联系,总结出符合支付工具市场网络外部性特征的表达方式。研究将前期支付工具双边市场研究和支付工具成本收益结构研究相结合,所提出的支付工具网络外部性更能反映支付工具市场特征,在有助于我们理解市场的同时,也是对关于支付工具网络外部性研究的补充和完善。
[Abstract]:Although the development of electronic payment tools has greatly reduced the cost of payment, this does not mean that the traditional payment tools have disappeared. It also includes different payment instruments which are caused by different cost structure of payment tools. In this paper, based on the data of Portugal and Australia, the distribution characteristics of payment amount and payment amount are analyzed. The difference of payment distribution caused by the difference of cost structure is related to the network externality of users in payment tool market, and the expression method that accords with the characteristics of network externality of payment tool market is summarized. By combining the previous research on the bilateral market of payment instruments with the research on the cost-benefit structure of payment tools, the proposed externalities of payment instruments can reflect the characteristics of the market of payment instruments more effectively, which helps us to understand the market at the same time. It also complements and perfects the research on the network externality of payment instruments.
【作者单位】：成都信息工程大学物流学院;西南财经大学金融安全协同创新中心和中国支付体系研究中心;
【基金】：国家自然科学基金项目(71603031、71473201) 四川省软科学研究计划项目(2015ZR0215) 成都信息工程大学科研基金资助项目(KYTZ201430、J201522)
【分类号】：F831.2

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