中文摘要：

互联网金融的兴起带动P2P网贷平台迅猛发展,而定价策略是其成功的核心要素。本文在传统双边市场定价理论基础之上,首次建立垄断条件下P2P平台的定价模型,并就平台向投资人、借款人收费的多种定价方式组合展开讨论。建模分析结果表明：均衡状态下,平台对投资人的定价低于平台对借款人的定价;平台对投资人（借款人）的定价与投资人（借款人）的综合网络效应负相关,且相关理论结果可很好地解释现存P2P平台的不对称定价和补偿定价策略等实践。

英文摘要：

Along with the rise of Internet of Finance, P2P online lending has been developing rapidly in recent years. One of the key factors to success for P2P online lending is the pricing strategy. By introducing the pricing theory of two-sided markets into the area P2P online lending, this paper firstly establishes a pricing model for P2P online lending under monopoly conditions. According to the different combination of fees the platform charged lenders and borrowers, we discuss pricing models in detail. The main conclusions of the theoretical study are as follows： Under equilibrium level, the level of pricing which investors being charged by platform is lower than that of borrowers; the fees that the platform charge participants（borrowers and lenders）are negatively correlated with its integrated network effect on the P2P lending platform. Besides, our theoretical analysis could give some hint on some current practices, such as asymmetric pricing and reimbursement pricing strategy.