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第三方电子交易平台的双边市场特征——基于在线个人借贷市场的实证分析
A two-sided, empirical study of the third-party electronic market ——the case of online peer-to-peer lending
摘要点击 2464  全文点击 70  投稿时间:2012-03-06  修订日期:2013-11-28
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中文关键词  双边市场;第三方电子交易;在线个人借贷;网络外部性;定价
英文关键词  two-sided market; the third-party electronic market; online peer-to-peer lending; network externality; pricing
基金项目  国家社会科学基金重点资助项目(11AZD007),国家自然科学基金青年资助项目(71003081),中央高校基本科研业务费专项资金资助项目(JBK1307036),成都信息工程学院科研基金资助项目。
学科分类代码  A
作者单位E-mail
邱甲贤 成都信息工程学院,物流学院 jessieqjx@gmail.com 
聂富强 西南财经大学经济信息工程学院  
童牧 西南财经大学经济信息工程学院  
胡根华 西南财经大学经济信息工程学院  
中文摘要
      以Prosper在线个人借贷平台为研究对象,实证考察了第三方电子交易市场中用户的交叉网络外部性、自网络外部性和平台定价策略对双边用户效用和平台利润的影响。结果表明:受市场供小于求、平台运营模式和借贷双方交易行为的影响,新借入者规模对借出者收入、前期借出者总规模对借入者需求均产生了显著的正交叉网络外部性;借入者之间由于竞争存在负自网络外部性,而借出者之间由于协同关系存在正自网络外部性;借贷双方对平台交易费具有显著的负价格弹性,平台利润与借贷双方的交易费分别呈现二次线性关系;在市场供小于求的情况下,平台利润主要受到借出者规模及其费率的影响。
英文摘要
      Based on the data of an online peer-to-peer lending marketplace, Prosper.com, the users’ inter and intra-group externalities and platform’s pricing strategies of the platform in the third-party electronic market are empirically investigated. The estimated results show that both users’ network effects and platform’s profits are influenced by the demand-supply relationships, operation mode of platform and users’ trading behavior in the market. On Prosper, there are positive inter-group network externalities between lenders and borrowers, negative intra-group network externalities among the borrowers and positive intra-group network externalities among the lenders. Borrowers and lenders are both sensitive to the rates of transaction fees set by the platform, and the profit of platform has quadratic relations with the rates of transaction fees. Because there is less supply than demand in the marketplace, platform’s profit is mainly affected by the size of lenders and the transaction fee rate of lenders.
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