网络外部性下的网上支付产业竞争与创新  

Industrial Competition and Innovation of Online Payment under the Background of Network Externality

作　　者：陈秀英[1] 刘胜[1] 

机构地区：[1]暨南大学产业经济研究院,广东广州510632

出　　处：《当代经济管理》2015年第11期64-70,共7页Contemporary Economic Management

基　　金：广东省高校人才引进项目<广东省新型城镇化进程中服务业发展与土地利用效率耦合演化的机制研究>(87114013);暨南启明星计划项目(12JNQM005)

摘　　要：基于平台经济理论和互联网第三方支付产业的市场结构分析,研究了网络外部性下互联网第三方支付平台间的竞争机制转变以及在新形势下其商业模式创新。认为:一方面,各支付平台间通过捆绑电子商务平台或其他增值服务,扩大其平台网络外部性,从而提高市场进入壁垒,加快互联网第三方支付产业向垄断竞争性市场结构转变。另一方面,面对网络金融、移动支付以及电商平台纵向一体化等外在竞争压力,互联网第三方支付企业需要重构价值网络、拓展新的商业模式以实现生存和盈利。Based on the theory of platform economy and the market structure analysis of the third-party internet payment industry, this article studied the transformation of competition mechanism and business model innovation between the third-party internet payment platforms under the network externality. The article argues that: on one hand, third-party internet payment platforms try to expand its network externalities by bundling ecommerce platform or other value-added services so as to build up market access barriers and shift to a monopolistic competitive market structure.On the other hand, facing with the external competition pressure from network finance, mobile payment and vertically integration of ecommerce business platform, the third-party internet payment enterprises need to reconstruct value network, and develop a new business model to achieve survival and profit.

关 键 词：平台经济 网络外部性 价值网络重构 商业模式创新 

分 类 号：F492[经济管理—产业经济]