P2P网贷平台的定价策略研究——基于垄断条件下的建模分析

被引：22
|
作者：
蔡炎宏 [1 ]
刘淳 [1 ]
张春霞 [2 ,3 ]
机构：
[1] 清华大学经济管理学院
[2] 中国农业银行
[3] 北京大学经济学院
来源：
投资研究 | 2014年 / 33卷 / 04期
关键词：
互联网金融; P2P网贷平台; 双边市场; 定价策略;
D O I：
暂无
中图分类号：
F832.2 [银行制度与业务]; F724.6 [电子贸易、网上贸易];
学科分类号：
020204 ; 1201 ;
摘要：
互联网金融的兴起带动P2P网贷平台迅猛发展,而定价策略是其成功的核心要素。本文在传统双边市场定价理论基础之上,首次建立垄断条件下P2P平台的定价模型,并就平台向投资人、借款人收费的多种定价方式组合展开讨论。建模分析结果表明:均衡状态下,平台对投资人的定价低于平台对借款人的定价;平台对投资人(借款人)的定价与投资人(借款人)的综合网络效应负相关,且相关理论结果可很好地解释现存P2P平台的不对称定价和补偿定价策略等实践。
引用
收藏
页码：4 / 15
页数：12
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