平台经济的创新与监管

Innovation and Supervision of Platform Economy

平台的技术特性对于经济活动的益处可以概括为“三升三降”“三升”即提高效率、扩大规模、改善体验,“三降”即降低成本、控制风险、减少接触。平台可以降低中小企业、低收入家庭和农村经济主体等普惠型客户获得金融服务的难度。平台经济目前存在以下问题:潜在的反竞争行为,集企业、调控和市场撮合三大功能为一体带来的利益冲突,“猎杀式”兼并行为遇制创新,财富过度集中。对平台经济应建立常态性、回应性监管框架,在规范中发展,在发展中规范。

The benefit of the technical characteristics of the platform for economic activities can be summarized as"three rises and three drops"."Three rises"are improving efficiency,expanding scale,and improving experience."Three drops"are reducing cost,controling rsk,and reducing contact.The platform can reduce the difficuly for inclusive customers such as small and medium-sized enterprises,low-income families and rural economic entities to obtain financial services.Currently,the fllowing problems exist in the platform economy:potential anti-competitive behavior,conflicts of interest brought about by integrating the three functions of enterprise,regulation and market matching,killer acquisition-and-merger to curb innovation,and excessive wealth concentration.A regular and responsive regulatory framework should be established for the platform economy for its development and standardization.