中文摘要：

我国第三方支付行业经过近十余年发展,已经演化为具有寡头垄断特征的市场结构,未来行业在发展过程中必然将面临着竞争,如何参与竞争并在市场中占有先机是市场各方必须关注的问题。本文基于当前第三方支付市场寡头垄断的市场结构,构建寡头垄断二次定价模型,并重点讨论了转移成本对二次定价以及市场竞争的影响,研究发现转移成本是第三方支付平台初次定价及二次定价的重要影响因素,会进一步影响到平台的利润,市场竞争者在参与市场竞争的过程中必须充分考虑转移成本约束,以便在市场竞争中取得优势地位,并对未来市场竞争提出了若干对策建议。

英文摘要：

The third-party payment industry has evolved into an oligopoly market structure after nearly 10 years of development, and will be faced with the inevitable process of the industry reshuffle. How to compete and share opportunities in the market is a question the competitors must take into account, based on current third-party payment＇s oligopolistic market structure, the paper builds a secondary oligopoly pricing model, and focuses on the discussion of the influence of switching cost, to the secondary market pricing and market competition, the basic conclusion is that the switching cost is an important factors to the platform first pricing and secondary pricing, and further affect the profit platform. In order to achieve a dominant position, market players involved in the competition must take full account of the switching cost constraints in the market competition.