中文摘要：

构建了基于双边市场理论的投资策略模型,分析了银行卡平台营利性质对平台投资者的投资激励的影响,发现在差异化营利市场条件下,非营利性银行卡平台具有更强的投资激励效应。同时,利用2002～2011年全球主要银行卡公司财务数据对投资激励效应的性质和强度进行了实证检验。在一定程度上解释了现实经济中非营利性银行卡平台的融资规模高于营利性银行卡平台的原因。

英文摘要：

This paper constructs a investment strategy model based on two - sided market theory to analyze the influence on investment incentives by essence of profit of bank card platform, and we found that the on the condi- tion of diversity essence of profit market, non - profit platform has a stronger investment incentive effects than for - profit one. Meanwhile, we make statistically empirical analysis by using the financial data of major global bank card companies at the year 2002 - 2011. The paper explains the reasons why non - profit platform has a stronger invest- ment incentive effects than for- profit one in real economy to some extent_