Research on the reconstruction of taxi industry driven by financial technology and sharing economy
金融科技与共享经济驱动下的出租车行业重构研究

摘要

随着时代的发展共享经济已经对多个传统行业产生了显著影响，尤其是那些依赖资产密集型模式和传统分销渠道的行业。同时共享经济与金融科技的浪潮也在不断推动传统行业的变革，并带来机遇和挑战。而最贴近生活的共享出行行业也站在了风口浪尖，伴随着移动支付，平台化金融运营管理的出现、滴滴出行日渐扩大的市场份额以及人们出行模式的转变，传统的出租车行业受到经济、法律、管理等多方面的冲击和前所未有的挑战。文章综合参考国家统计局、北京市统计年鉴数据、北京市交通发展研究院披露的北京市交通发展年鉴报告所提供的数据，基于SCP理论，分别从市场结构、市场行为和市场绩效三个方面分析在共享经济与金融科技双轮驱动下北京市出租车产业，并试图提出趋势预测和政策建言。

Abstract

With the development of the times, the sharing economy has had a significant impact on many traditional industries, especially those that rely on asset-intensive models and traditional distribution channels. At the same time, the wave of sharing economy and financial technology is also constantly driving the transformation of traditional industries, bringing opportunities and challenges. With the emergence of mobile payment, platform-based financial operation and management, Didi Chuxing's expanding market share and the transformation of people's travel patterns, the traditional taxi industry has been impacted by economic, legal, management and other aspects and unprecedented challenges. Based on SCP theory, this paper analyzes the taxi industry in Beijing under the two-wheel drive of sharing economy and financial technology from three aspects: market structure, market behavior and market performance, and tries to put forward trend prediction and policy suggestions.