| In recent years,P2 P online lending platform risk events emerge in endlessly,the risk control mechanism and security mechanism of the platform are constantly questioned by the outside world,which makes investors flinch.In order to enhance their own credit and restore their reputation,the platform began to explore new modes of credit enhancement."P2P online lending platform + insurance" mode is an innovative way explored by P2 P network loan platform to meet the security needs of market users and pursue their own development.Among the types of insurance that P2 P online loan platform cooperates with insurance companies,performance insurance can not only effectively guarantee the interests of investors,improve the accuracy of credit audit of borrowers,but also help P2 P online lending platform disperse default risk,so performance insurance has gradually become the focus of future cooperation between P2 P online lending platform and insurance companies.In this development trend,it is of great practical significance to study the pricing of "P2P network loan platform + insurance" model.The pricing problem in P2 P online lending platform is not only related to the platform's own revenue,but also affects the market scale of the platform,which is the key to the healthy and normal operation of the platform.At the same time,the pricing research of "P2P online lending platform +insurance" model has a certain guiding role in the relevant business decision-making of insurance companies.The P2 P online lending platform is a Two-sided market,in which users include borrowers and lenders.In the platform's trading activities,tthe borrower's utility will be affected by the number of lenders,and the lender's utility will also be affected by the number of borrowers.and the users have different attribution,which will affect the pricing of the platform.In the pricing research of "P2P online lending platform +insurance" mode applied to duopoly competitive market,the inter group network externalities and intra group network externalities are introduced into the standard Hotelling model,which fully considers the pricing problem of the "P2P online lending platform + insurance" model of users under different attribution when the lender pays premiums,and uses the method of theoretical research and numerical simulation tofind the pricing rules,Finally,the conclusions and suggestions are as follows:(1)by improving the network externalities within the group,it can help borrowers and lenders to reduce costs,and also help P2 P online lending platform to increase market share.The lender and the borrower can establish their own forums or communication groups to increase internal communication between users of both sides.(2)The platform and insurance companies can improve the degree of network externality and differentiation between users to improve their own benefits.P2 P online lending platform can provide more additional and personalized service options.Insurance companies can make their business products more diversified,provide more differentiated services,and then improve the degree of differentiation to improve the income. |
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