QQ客服 官方微博 反馈留言

	P2P网贷平台的定价策略研究——基于垄断条件下的建模分析
	蔡炎宏 ; 刘淳 ; 张春霞 ; Cai Yanhong ; Liu Chun ; Zhang Chunxia
	2016-03-30 ; 2016-03-30
关键词	互联网金融 P2P网贷平台 双边市场 定价策略 Internet of Finance P2P online lending two-sided markets Pricing Strategy F832.2 F724.6
其他题名	Study on the Pricing Strategy of P2P online Lending Platforms:Theoretical Pricing Analysis under Monopoly Conditions
中文摘要	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。; Along with the rise of Internet of Finance, P2P online lending has been developing rapidly in recent years. One of the key factors to success for P2P online lending is the pricing strategy. By introducing the pricing theory of two-sided markets into the area P2P online lending, this paper firstly establishes a pricing model for P2P online lending under monopoly conditions. According to the different combination of fees the platform charged lenders and borrowers, we discuss pricing models in detail. The main conclusions of the theoretical study are as follows: Under equilibrium level, the level of pricing which investors being charged by platform is lower than that of borrowers; the fees that the platform charge participants(borrowers and lenders)are negatively correlated with its integrated network effect on the P2P lending platform. Besides, our theoretical analysis could give some hint on some current practices, such as asymmetric pricing and reimbursement pricing strategy.
语种	中文 ; 中文
内容类型	期刊论文
源URL	[http://ir.lib.tsinghua.edu.cn/ir/item.do?handle=123456789/145636]
专题	清华大学
推荐引用方式 GB/T 7714	蔡炎宏,刘淳,张春霞,等. P2P网贷平台的定价策略研究——基于垄断条件下的建模分析[J],2016, 2016.
APA	蔡炎宏,刘淳,张春霞,Cai Yanhong,Liu Chun,&Zhang Chunxia.(2016).P2P网贷平台的定价策略研究——基于垄断条件下的建模分析..
MLA	蔡炎宏,et al."P2P网贷平台的定价策略研究——基于垄断条件下的建模分析".(2016).

个性服务

查看访问统计

相关权益政策

暂无数据

收藏/分享

除非特别说明，本系统中所有内容都受版权保护，并保留所有权利。