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Research On P2P Lending Platform Competition From Two-sided Market Perspective

Posted on:2017-04-19Degree:MasterType:Thesis
Country:ChinaCandidate:N ZouFull Text:PDF
GTID:2309330491451533Subject:Business management
Abstract/Summary:PDF Full Text Request
With the increasing penetration of Internet technology to economic and social life, there has been a large number of platforms in the economy industry. Although technologies have made a breakthrough to facilitate reducing costs of establishing platforms, which also cause more competition in the platform industry. There are strong competitions between platforms and more focus on price competition for lacking of differentiated services.In spite of the extremely rapid development of platforms, there are still a series of problems, such as immature profit model, homogenization of business, lack of innovation etc. Therefore, it is significantly important to explore the innovation of platforms competitions and operational mechanisms, which can promote the healthy development of those platforms.Firstly, this paper makes a theoretical exploration research and review of two-sided market platform competition, and conducts a systematic study from two different aspects of intra-platform competition and inter-platform competition, then constructs a platform competition model and comes up with hypotheses under the two-sided market perspective. Analyzing the factors of competition means, such as products, pricing and services, based on the characteristics of the users scale and network externalities, for sake of deducing the competition strategies and mechanisms between platforms.Secondly, on the basis of theoretical study, this paper combines with theoretical analysis and empirical analysis, qualitative method and quantitative method, to give a research for p2p lending platform competitions under the perspective of two-sided market. this paper analyses the effects of the p2p lending platform competition, then puts forward some countermeasures and suggestions from three dimensions of users, enterprise platforms and government departments, which related to competition and operation mechanism.Finally, This paper will test the model and hypotheses based on the two cases of the corporation of Lufax and Renrendai. On the one hand, this paper aims to bringing some theoretical reference and decision support for enterprise platforms cooperation and operational mechanism innovation. On the other hand, this paper will put forward some anti-monopoly regulations and industrial policies for the government departments to refer.
Keywords/Search Tags:Two-sided Market, Platform Competition, Peer-to-peer Platform, Network Externalities, Subscriber’s Home
PDF Full Text Request
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