摘要
网络的特性导致网络产品异于一般产品的供求规律,而且不同的网络产品外部性强弱的差别将导致其发展状况的差异。网络金融是基于互联网的金融创新,具有网络产品的特性。目前,网络证券、网络银行和网络保险的发展情况,表明外部性较强的网络证券和部分网络银行业务发展较为迅速,而外部性较弱的大额借贷以及保险等业务的网络产品发展较慢,可见外部性强弱的差别是导致其发展状况差异的原因之一。
The characteristics of online finance such as network externality and high fix cost -low changing cost, lead to special demand - supply relationship, while the difference of these characteristics among online securities, e - banking and online insurance is one of the explanations for their development. The paper analyzes three kinds of online finance development internationally as well as in China, and finds these different characteristics as the reasons for the different levels of these businesses.
出处
《商业研究》
北大核心
2006年第14期128-131,共4页
Commercial Research
关键词
网络
外部性
网络金融
network
externality
online finance
