互联网金融与经济学“边际革命”

Internet Finance and “Marginal Revolution”in Economics

通过本文所做的研究,作者认为:(1)在互联网时代,数据已成为基本生产要素之一,它不仅能够自动产生和累积,而且还能在很大程度上节约或替代土地、资本、劳动和企业家才能等基本生产要素,进而动摇了经济学资源稀缺性约束的假设前提;(2)在互联网金融平台上,金融消费者的边际效用不是递减,而是呈明显的递增趋势;(3)互联网金融平台的运作同时表现出边际产量递增、边际成本递减和边际利润递增等规律,而且互联网金融平台不存在厂商利润最大化的"最优生产规模"。而这一切都是非互联网时代经济学"边际革命"所没有触及,或不能做出合理解释的,因此经济学"边际革命"必须与时俱进,不断深化与发展。

Through the research done in this paper,the author believes that：（ 1） In the Internet era,data has become one of the basic factors of production. It not only can automatically generate and accumulate,but also can partially replace the basic factors of production such as land,capital,labor and entrepreneurial talent,and then fundamentally shook the basic assumption of economics——＂limited resources＂;（ 2） On the internet finance platform,the marginal utility of financial consumers is not diminishing,but shows a significant increasing trend.（ 3） The operation of internet finance platform also shows the law of increasing marginal output,the law of diminishing marginal cost and the law of increasing marginal profit. There is no ＂optimal production scale＂in line with the principle of profit maximization. All of this is not covered by the ＂marginal revolution＂in economics in the non-Internet era or can not be explained reasonably. Therefore,the ＂marginal revolution＂in economics must keep pace with the times and constantly deepens and develops.