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題名 分權共享經濟企業的經濟影響
Economic Impact of Decentralized Sharing Economy Businesses
作者 那斯佳
Nizhegorodtceva, Anastasiia
貢獻者 洪為璽
Hung, Wei-Hsi(Frank)
那斯佳
Anastasiia Nizhegorodtceva
關鍵詞 共享經濟
區塊鏈
平台
經濟影響
分權
Sharing Economy
Blockchain
Platform
Decentralization
Economy Impact
日期 2019
上傳時間 2-Mar-2020 11:39:07 (UTC+8)
摘要 如今,共享經濟平台的作用在現代經濟中非常明顯。消費者不再需要親自
去市場或購物中心為自己購買東西,甚至不需要到銀行來管理他們的財務。一
切都是虛擬和在線完成的。共享經濟業務當然使消費者的生活變得非常便利。
然而,他們現在正在轉變為一種新形式,一種沒有控制公司的分散系統。
毫無疑問,這些平台創造了巨大的價值,但客戶和服務提供商不得不依賴
中間商來運營。這使得該過程更長,更昂貴,並且在諸如貸款,旅遊甚至運輸
等許多經濟部門中效率低下。許多經濟領域的分散市場正在通過使服務提供商
和客戶之間的互動更便宜,更直接和更完美來改變這種狀況。
本研究探討了集中式和基於區塊鏈的共享經濟平台之間的差異,並評估了
這種轉型的好處。
Nowadays, the role of sharing economy platforms is very noticeable in the modern economy. Consumers no longer need to physically go to a market or shopping mall to buy things for themselves, or even to a bank to manage their finances. Everything is done virtually and online. Sharing economy businesses certainly made consumers’ lives very convenient. However, they are now transitioning into a new form, a decentralized system with no controlling company.
These platforms undoubtedly created a tremendous value, however customers and service providers had to rely on middlemen to operate. This had made the process longer, more expensive and prone to inefficiencies in many sectors of the economy like lending, tourism and even transportation. Decentralized marketplaces in many areas of the economy are changing this by making the interactions between the service providers and customers less expensive, direct and flawless.
This research looks into the differences between centralized and blockchain-based sharing economy platforms and evaluates the benefits of such transition.
參考文獻 Board, F. S. (2017). Financial Stability Implications from FinTech: Supervisory and Regulatory Issues that Merit Authorities’ Attention. June, Basel. Retrieved from https://pdfs.semanticscholar.org/f4be/e5e8eeacfd6abb059c901c19155da385861b .pdf?_ga=2.117645441.924139614.1578822968-1665820553.1578822968

Buckley, R. P., & Webster, S. (2016). Fintech in developing countries: charting new customer journeys. Journal of Financial Transformation, 44, 151-159.

Foye L. (2017, July). Sharing economy 3 industries ripe for disruption. Juniper Research. 1-4.

International Finance Corporation (IFC), World Bank. (2017). MSME Finance Gap. Assessment of the Shortfalls and Opportunities in Financing Micro, Small and Medium Enterprises in Emerging Markets. Retrieved from http://documents.worldbank.org/curated/en/653831510568517947/MSME- finance-gap-assessment-of-the-shortfalls-and-opportunities-in-financing-micro- small-and-medium-enterprises-in-emerging-markets

Juniper Research. (2017, July). Sharing Economy Revenues to Double by 2022, Reaching Over $40 billion. Retrieved from https://www.juniperresearch.com/press/press-releases/sharing-economy- revenues-to-double-by-2022

Liu M., Fraser J. (2018). Origin Protocol Brief. Retrieved from https://www.originprotocol.com/en

Lloyd’s, Innovation report. (2018). Sharing Risks, Sharing Rewards: Who Should Bear the Risk in the Sharing Economy? Retrieved from https://www.lloyds.com/news- and-risk-insight/risk-reports/library/technology/sharing-risks-sharing-rewards

Lubin J. (2019). Advancing Capital Markets with Blockchain Technology. Retrieved from https://pages.consensys.net/advancing-capital-markets-with-blockchain- technology

Menne, A. (2018). Blockchain in the Sharing Economy: Will Blockchain Disrupt Today’s Winning Business Models? (Bachelor`s thesis, University of Twente). Retrieved from https://essay.utwente.nl/76517/1/Menne_BA_EEMCS.pdf

Merkovich A. (2019, March 20). Small Business Finance Statistics. Retrieved from https://fitsmallbusiness.com/small-business-finance-statistics/

Morency, C., Verreault, H., & Demers, M. (2015). Identification of the minimum size of the shared-car fleet required to satisfy car-driving trips in Montreal. Transportation, 42(3), 435-447.

Niam Y., Shamika R. (2017, March). The Current and Future State of the Sharing Economy. Brookings India Report. Retrieved from
36
https://www.brookings.edu/wpcontent/uploads/2016/12/sharingeconomy_03201
7final.pdf

Notheisen, B., Hawlitschek, F., & Weinhardt, C. (2017). Breaking Down the
Blockchain Hype–Towards a Blockchain Market Engineering Approach. Retrieved from https://pdfs.semanticscholar.org/9f21/9d266984bcf1589c77080439f06d49465c6 9.pdf (2)

Rothrie S. (2018, July 31). Sharing Economy Companies Are Set to Be Disrupted by Blockchain. Retrieved from https://coincentral.com/sharing-economy-companies- are-set-to-be-disrupted-by-blockchain/

Shoup, D. (2017). The high cost of free parking: Updated edition. Routledge.

Vaughan, R., & Hawksworth, J. (2014). The Sharing Economy: How Will It Disrupt Your Business. London: PriceWaterhouseCoopers. Retrieved from
https://pwc.blogs.com/files/sharing-economy-final_0814.pdf

West A. (2019, April 23). Origin Protocol Returns Economic Power to the People by Enabling Free Creation of Decentralized Marketplaces for Various Industries. Retrieved from https://www.cardrates.com/news/origin-protocol-enables-free-
creation-of-decentralized-marketplaces/

What Is Decentralisation and Why Is It Important? (2018, May 2). Retrieved from
https://medium.com/@baanx/what-is-decentralisation-and-why-is-it-important- 378e0d2fa03b
描述 碩士
國立政治大學
企業管理研究所(MBA學位學程)
105363131
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0105363131
資料類型 thesis
dc.contributor.advisor 洪為璽zh_TW
dc.contributor.advisor Hung, Wei-Hsi(Frank)en_US
dc.contributor.author (Authors) 那斯佳zh_TW
dc.contributor.author (Authors) Anastasiia Nizhegorodtcevaen_US
dc.creator (作者) 那斯佳zh_TW
dc.creator (作者) Nizhegorodtceva, Anastasiiaen_US
dc.date (日期) 2019en_US
dc.date.accessioned 2-Mar-2020 11:39:07 (UTC+8)-
dc.date.available 2-Mar-2020 11:39:07 (UTC+8)-
dc.date.issued (上傳時間) 2-Mar-2020 11:39:07 (UTC+8)-
dc.identifier (Other Identifiers) G0105363131en_US
dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/128997-
dc.description (描述) 碩士zh_TW
dc.description (描述) 國立政治大學zh_TW
dc.description (描述) 企業管理研究所(MBA學位學程)zh_TW
dc.description (描述) 105363131zh_TW
dc.description.abstract (摘要) 如今,共享經濟平台的作用在現代經濟中非常明顯。消費者不再需要親自
去市場或購物中心為自己購買東西,甚至不需要到銀行來管理他們的財務。一
切都是虛擬和在線完成的。共享經濟業務當然使消費者的生活變得非常便利。
然而,他們現在正在轉變為一種新形式,一種沒有控制公司的分散系統。
毫無疑問,這些平台創造了巨大的價值,但客戶和服務提供商不得不依賴
中間商來運營。這使得該過程更長,更昂貴,並且在諸如貸款,旅遊甚至運輸
等許多經濟部門中效率低下。許多經濟領域的分散市場正在通過使服務提供商
和客戶之間的互動更便宜,更直接和更完美來改變這種狀況。
本研究探討了集中式和基於區塊鏈的共享經濟平台之間的差異,並評估了
這種轉型的好處。
zh_TW
dc.description.abstract (摘要) Nowadays, the role of sharing economy platforms is very noticeable in the modern economy. Consumers no longer need to physically go to a market or shopping mall to buy things for themselves, or even to a bank to manage their finances. Everything is done virtually and online. Sharing economy businesses certainly made consumers’ lives very convenient. However, they are now transitioning into a new form, a decentralized system with no controlling company.
These platforms undoubtedly created a tremendous value, however customers and service providers had to rely on middlemen to operate. This had made the process longer, more expensive and prone to inefficiencies in many sectors of the economy like lending, tourism and even transportation. Decentralized marketplaces in many areas of the economy are changing this by making the interactions between the service providers and customers less expensive, direct and flawless.
This research looks into the differences between centralized and blockchain-based sharing economy platforms and evaluates the benefits of such transition.
en_US
dc.description.tableofcontents List of Figures 4
摘要 5
Abstract 6
致謝 7
Chapter 1 Introduction 8
Chapter 2 Literature Review 9
2.1 Current Sharing Economy Leaders 9
2.2 Research Questions 10
2.3 Introduction of Blockchain Technology 10
2.4 Sharing Economy Issues 11
2.4.1 Safety and Crime 12
2.4.2 Data Security and Privacy 12
2.4.3 Monopolies 12
2.4.4 Price Discrimination 14
Chapter 3 Research Methodology 15
3.1 Methods 15
3.2 Case 1. Origin Protocol as a pioneer in decentralized sharing economy business models 15
3.3 Case 2. Ainves as one of the first decentralized market places 17
3.4 Case 3. SALT as a leading North American Peer to Peer Lending Platform 19
Chapter 4 Data Analysis and Results 21
4.1 Sharing economy businesses potential and growth 21
4.2 Sharing Economy Forecast Summary 23
4.3 Sharing Economy Consumer Survey 23
4.4 SME economic instability 24
4.5 Lack of funding for MSMEs 26
4.6 Lending sharing economy industry potential 27
4.7 Decentralized sharing economy leading model 28
4.8 Cross Comparison on Case Studies 32
Chapter 5 Conclusion 34
References 36
zh_TW
dc.format.extent 580056 bytes-
dc.format.mimetype application/pdf-
dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0105363131en_US
dc.subject (關鍵詞) 共享經濟zh_TW
dc.subject (關鍵詞) 區塊鏈zh_TW
dc.subject (關鍵詞) 平台zh_TW
dc.subject (關鍵詞) 經濟影響zh_TW
dc.subject (關鍵詞) 分權zh_TW
dc.subject (關鍵詞) Sharing Economyen_US
dc.subject (關鍵詞) Blockchainen_US
dc.subject (關鍵詞) Platformen_US
dc.subject (關鍵詞) Decentralizationen_US
dc.subject (關鍵詞) Economy Impacten_US
dc.title (題名) 分權共享經濟企業的經濟影響zh_TW
dc.title (題名) Economic Impact of Decentralized Sharing Economy Businessesen_US
dc.type (資料類型) thesisen_US
dc.relation.reference (參考文獻) Board, F. S. (2017). Financial Stability Implications from FinTech: Supervisory and Regulatory Issues that Merit Authorities’ Attention. June, Basel. Retrieved from https://pdfs.semanticscholar.org/f4be/e5e8eeacfd6abb059c901c19155da385861b .pdf?_ga=2.117645441.924139614.1578822968-1665820553.1578822968

Buckley, R. P., & Webster, S. (2016). Fintech in developing countries: charting new customer journeys. Journal of Financial Transformation, 44, 151-159.

Foye L. (2017, July). Sharing economy 3 industries ripe for disruption. Juniper Research. 1-4.

International Finance Corporation (IFC), World Bank. (2017). MSME Finance Gap. Assessment of the Shortfalls and Opportunities in Financing Micro, Small and Medium Enterprises in Emerging Markets. Retrieved from http://documents.worldbank.org/curated/en/653831510568517947/MSME- finance-gap-assessment-of-the-shortfalls-and-opportunities-in-financing-micro- small-and-medium-enterprises-in-emerging-markets

Juniper Research. (2017, July). Sharing Economy Revenues to Double by 2022, Reaching Over $40 billion. Retrieved from https://www.juniperresearch.com/press/press-releases/sharing-economy- revenues-to-double-by-2022

Liu M., Fraser J. (2018). Origin Protocol Brief. Retrieved from https://www.originprotocol.com/en

Lloyd’s, Innovation report. (2018). Sharing Risks, Sharing Rewards: Who Should Bear the Risk in the Sharing Economy? Retrieved from https://www.lloyds.com/news- and-risk-insight/risk-reports/library/technology/sharing-risks-sharing-rewards

Lubin J. (2019). Advancing Capital Markets with Blockchain Technology. Retrieved from https://pages.consensys.net/advancing-capital-markets-with-blockchain- technology

Menne, A. (2018). Blockchain in the Sharing Economy: Will Blockchain Disrupt Today’s Winning Business Models? (Bachelor`s thesis, University of Twente). Retrieved from https://essay.utwente.nl/76517/1/Menne_BA_EEMCS.pdf

Merkovich A. (2019, March 20). Small Business Finance Statistics. Retrieved from https://fitsmallbusiness.com/small-business-finance-statistics/

Morency, C., Verreault, H., & Demers, M. (2015). Identification of the minimum size of the shared-car fleet required to satisfy car-driving trips in Montreal. Transportation, 42(3), 435-447.

Niam Y., Shamika R. (2017, March). The Current and Future State of the Sharing Economy. Brookings India Report. Retrieved from
36
https://www.brookings.edu/wpcontent/uploads/2016/12/sharingeconomy_03201
7final.pdf

Notheisen, B., Hawlitschek, F., & Weinhardt, C. (2017). Breaking Down the
Blockchain Hype–Towards a Blockchain Market Engineering Approach. Retrieved from https://pdfs.semanticscholar.org/9f21/9d266984bcf1589c77080439f06d49465c6 9.pdf (2)

Rothrie S. (2018, July 31). Sharing Economy Companies Are Set to Be Disrupted by Blockchain. Retrieved from https://coincentral.com/sharing-economy-companies- are-set-to-be-disrupted-by-blockchain/

Shoup, D. (2017). The high cost of free parking: Updated edition. Routledge.

Vaughan, R., & Hawksworth, J. (2014). The Sharing Economy: How Will It Disrupt Your Business. London: PriceWaterhouseCoopers. Retrieved from
https://pwc.blogs.com/files/sharing-economy-final_0814.pdf

West A. (2019, April 23). Origin Protocol Returns Economic Power to the People by Enabling Free Creation of Decentralized Marketplaces for Various Industries. Retrieved from https://www.cardrates.com/news/origin-protocol-enables-free-
creation-of-decentralized-marketplaces/

What Is Decentralisation and Why Is It Important? (2018, May 2). Retrieved from
https://medium.com/@baanx/what-is-decentralisation-and-why-is-it-important- 378e0d2fa03b
zh_TW
dc.identifier.doi (DOI) 10.6814/NCCU202000125en_US