系统管理学报2017，Vol.26Issue(2)：304-310,7.
我国网贷平台的双边市场特征
Two-Sided Market Characteristics of the Chinese Online Peer-to-Peer Platform
摘要
Abstract
As a typical two-sided market,the third-party electronic commerce platform has two important characteristics,namely,users network externality and asymmetrical price structure.We build the simultaneous equation models and empirically investigates the two characteristics of a Chinese online lending platform named ppdai.com.Affected by the operations mode and demand supply relationship,there are positive inter-group network externality between the lenders and the borrowers,negative intra-group network externality among the borrowers and positive intra-group network externality among the lenders.The borrowers and the lenders are both sensitive to the fees,and ppdai.com charges much more from the borrowers than from the lenders.However,the profit may increase if the platform increases the transaction fee rates of the lenders.The findings not only enhance our understanding of the two-sided electronic market in China but also shed light on the research of two-sided market theory.关键词
双边市场/网络外部性/网络借贷/电子商务Key words
two-sided market/network externality/online lending/e-commerce分类
管理科学引用本文复制引用
邱甲贤..我国网贷平台的双边市场特征[J].系统管理学报,2017,26(2):304-310,7.基金项目
国家自然科学基金资助项目(71603031,71473201) （71603031,71473201）
国家社会科学基金资助项目(14BGL152) （14BGL152）
四川省教育厅人文社科项目(14SB0116) （14SB0116）
成都信息工程大学科研基金资助项目(J201522) （J201522）
