摘要: |
支付平台的生态化发展既是自身优势的自然延伸,也是产业竞争的必然结果,但由此引发的运营风险如影随形,促使支付的生态竞争及其监管模式成为互联网金融领域的研究热点。基于对支付生态内涵的剖析,本文围绕支付生态的竞争模式与策略、运营风险与监管两个核心议题,系统地梳理相关研究进展。首先,分析了移动互联网背景下支付竞争模式的演进、多边平台视角下支付竞争策略的抉择以及多方竞合下支付生态体系的竞争问题;其次,基于对支付生态运营风险的分析,探讨支付生态的监管机制与策略;最后,在总结既有研究的基础上,结合现实情境,对支付生态的运营风险控制及支付生态的反垄断监管问题进行展望,构建未来的研究框架。 |
关键词: 支付生态 竞争策略 多边平台 运营风险 生态监管 |
DOI:10.13581/j.cnki.rdm.20210372 |
分类号:F270 |
基金项目: |
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Review on the Competition and Regulation of Payment Ecosystem |
FANG Ruo-nan, LUO Pin-liang
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School of Management, Fudan University, Shanghai 200433, China
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Abstract: |
The ecological development of payment platforms is not only a natural extension by its own advantages, but also an inevitable result of the multi-platform competition. Meanwhile, enormous issues and corresponding operation risks are emerging, which makes it more critical and necessary to conduct comprehensive study on the payment ecosystem’s competition and regulation. Based on the dissection of payment ecosystem’s connotation and definition, it focused on two core issues, including the competition modes and strategies of payment ecosystem, as well as the operation risks and regulation mechanisms of payment ecosystem, and systemically reviewed relevant research progress. Firstly, it analyzed the evolution of the competition mode under the background of the mobile internet, the decision of competition strategy from the perspective of multi-sided platforms, and the competition of payment ecosystem under the perspective of multi-party competition and cooperation. Secondly, based on the operation risks relative to payment ecosystem, it explored the regulatory mechanisms and strategies. Finally, on the basis of summarizing existing researches, it combined with the real situation, looked forward to the prospect of payment ecosystem’s risks and regulation issues under the background of platform antitrust regulation, and built a framework for future research. |
Key words: payment ecosystem competition strategy multi-sided platform operational risk ecological regulation |