P2P网络借贷平台的竞争策略分析

Analysis on competitive strategy of peer-to-peer online lending platforms

针对现实中的P2P网络借贷平台难以合理协调合作与竞争关系问题,建立了合作竞争策略下P2P网络借贷平台的成长动力学模型,分析了平台间合作强度与平台成长走势关系.计算结果表明,初始有微弱优势的平台有望在竞争中完全获胜;而初始不占优的平台可以通过调整竞争和合作强度提高竞争力.数值仿真实验验证了相关结论的有效性及可行性,研究结论可为实施合作竞争策略的平台运营商提供理论指导.

Considering the P2P network platform＇s difficulty on coordinating the relationship between the cooperation and the competition, a dynamic growth model of P2P platform is established, and the relationship between cooperation intensity and growth trend of platforms is analyzed. The results show that the platform with weak advantage initially may completely win in competition, while the platform with non-dominant ad- vantage initially may enhance the competition ability by adjusting the intensity of competition and cooperation. The numerical simulation verifies the validity and feasibility of the corresponding conclusions, which provide theoretical guidances for platform operators to implement the cooperation and competition strategies.