信用管理对消费者行为的双重影响——基于哈啰单车驾照分的实证分析  

Dual Influence of Credit Management on Consumer Behavior:An Empirical Analysis Based on the Driving License Score System of Hello Bike

作　　者：李晶晶[1] 陈帅 秦萍 耿可心 王雅璨[1] Li Jingjing;Chen Shuai;Qin Ping;Geng Kexin;Wang Yacan(School of Economics and Management,Beijing Jiaotong University;School of Public Administration,Zhejiang University;School of Applied Economics,Renmin University of China)

机构地区：[1]北京交通大学经济管理学院 [2]浙江大学公共管理学院 [3]中国人民大学应用经济学院

出　　处：《管理世界》2025年第4期136-154,共19页Journal of Management World

基　　金：国家自然科学基金项目“可交易个人交通碳许可证引导城市居民低碳出行:机制设计、实地实验和效果评估”(基金号:72474018)、“融入出行者异质性的靶向化交通需求引导策略和行为干预研究”(基金号:72071017)、“大数据视角下中国空气污染、短期人口流动及其社会经济影响”(基金号:72273131)、“温室气体减排、空气污染治理的健康效益评估和协同政策设计”(基金号:72134006);教育部人文社科后期资助重大项目“交通强国战略下城市可持续交通管理方案”(基金号:22JHQ010);国家社科基金重大项目“气候变化与粮食安全的数量经济学研究”(基金号:24&ZD100);浙江省杰出青年科学基金项目“中国气候变化、人力资本配置及其社会经济影响”(基金号:LR22G030003)。

摘　　要：在共享经济蓬勃发展的背景下,如何有效管理信用,既规范消费者行为,又促进共享经济消费,已成为学术界和政策制定者共同关注的焦点。本文以哈啰单车的驾照分制度为研究对象,利用2018年5月至2020年12月间14个城市超过3000万条日度行为高频数据,构建双重差分模型,实证分析该制度对消费者违规行为与消费行为的双重影响,并探讨其激励机制。研究表明,驾照分制度显著增加了消费者的骑行行为,尽管短期内对违规行为影响有限,但随着时间推移,消费者违规行为逐步减少。特别是在一线城市以及活跃稳定型消费者群体中,驾照分制度实现了减少违规行为与促进骑行行为的双重目标激励相容。机制分析进一步表明,驾照分制度通过信誉激励与经济激励干预消费者行为,且奖励性激励效果明显优于惩罚性激励。本文研究结果为通过信用管理制度规范市场秩序并推动共享经济可持续发展提供了实证支持。In the wave of the sharing economy,how to effectively manage credit systems to both regulate consumer behavior and promote consumption has become a key focus for scholars and policymakers alike.This study examines the Driving License Score(DLS)implemented by Hello Bike,utilizing high-frequency behavioral data from over 30 million daily records of shared bike users across 14 cities between May 2018 and December 2020.By constructing a difference-in-differences model,the paper empirically analyzes the dual impact of the DLS on user misconduct and consumption behavior,while also exploring the underlying incentive mechanisms.The findings suggest that,the DLS significantly enhances consumers'riding behavior.While its short-term impact on violations is limited,users'violations gradually decrease over time.Notably,in first-tier cities and among active,stable consumers,the system achieves the dual goals of reducing violations and promoting riding behavior in an incentive-compatible manner.Mechanism analysis indicates that the DLS modifies consumer behavior through both credit and economic incentives,with reward incentives being more effective than punishment.The results of this study provide empirical evidence for the role of credit management systems in regulating market order and promoting the development of the sharing economy.

关 键 词：共享经济 信用管理制度 消费行为 双重差分 高频大数据 

分 类 号：F724.6[经济管理—产业经济]