基于商业模式创新的网络金融研究

发布时间：2018-01-02 02:06

本文关键词：基于商业模式创新的网络金融研究　出处：《南京大学》2013年硕士论文　论文类型：学位论文

【摘要】：网络金融是我国金融创新的一个重要实践,是指由电子商务企业提供的网络支付结算、网络融资、网络保险、网络理财等金融服务。相比起传统的金融服务,网络金融在产品设计、服务模式和参与主体三方面实现了创新。更重要的是,网络金融的出现促使电子商务企业的商业模式创新,使其走向了新的发展道路。因此,本文从商业模式的视角出发来研究网络金融,剖析这一新的经济现象,并把握其发展的脉搏。商业模式创新是本文的研究背景,因此本文先回顾了我国过去十年的商业模式变迁,揭示了网络金融模式在互联网经济时代的重要意义。进而继续阐释商业模式创新对电商企业发展的影响,本文应用了熵模型,认为商业模式创新促使了企业系统的内部负熵变和外部负熵流入,使得系统有序度增加,由此清楚地阐述企业获得发展的机理,而文章亦以创新的角度实现了对商业,模式创新的理论性研究。本文根据我国的网络金融发展情况,对其中的第三方支付行业与网络融资行业进行产业的现状描述,并且深入地刻画了两个细分行业的市场格局、竞争结构和产业链。本文发现：两个细分行业的发展速度快,成长性好,但行业集中度较高,行业内各企业的发展情况很不平均,小企业之间服务同质化严重,竞争较为激烈：此外,规模经济和产品差异化是两个行业主要的进入壁垒；再者,银行正在积极地介入网络金融产业,对产业内的大企业(如阿里金融)提出了挑战,但对于小企业是个良好的合作机会。本文基于对网络金融的产业分析,以产业价值链为基础,从价值创造、价值维护和价值实现三个环节对两个细分行业分别进行考察,并总结归纳出两者的商业模式的创新之处。最后,本文通过对阿里金融的案例分析,总结出阿里金融“完整生态+开放平台”的新商业模式,并挖掘了由新商业模式催生的阿里新发展,揭示出以阿里金融为代表的网络金融产业如何影响传统金融行业并改造旧有的“大卖场”模式。
[Abstract]:Network finance is an important practice of financial innovation in our country. It refers to the financial services such as network payment settlement, network financing, network insurance, network financing and so on, which are provided by electronic commerce enterprises. The network finance has realized the innovation in the product design, the service pattern and the participation main body. More importantly, the appearance of the network finance has promoted the electronic commerce enterprise's business model innovation. Therefore, this paper studies the network finance from the perspective of business model, analyzes this new economic phenomenon, and holds the pulse of its development. Business model innovation is the background of this paper, so this paper reviews the changes of business model in the past ten years. This paper reveals the important significance of the network finance model in the Internet economy era, and then continues to explain the impact of business model innovation on the development of e-commerce enterprises, this paper applies the entropy model. It is believed that the innovation of business model promotes the change of internal negative entropy and the inflow of external negative entropy of enterprise system, which increases the degree of system order. The article also realizes the theoretical research of commercial and mode innovation from the angle of innovation. According to the development of network finance in China, this paper describes the current situation of the third party payment industry and the network financing industry, and deeply describes the market pattern of the two subdivision industries. Competitive structure and industrial chain. This paper finds that the development of the two subdivided industries is fast and the growth is good, but the industry concentration is high, the development of enterprises in the industry is very uneven, and the service quality among small enterprises is serious. Competition is more intense: in addition, economies of scale and product differentiation are the main barriers to entry in the two industries; Moreover, banks are actively involved in the network finance industry, which challenges the large enterprises in the industry (such as Ali Finance). But for small enterprises is a good opportunity for cooperation. Based on the analysis of the industry of network finance, based on the industrial value chain, from the value creation. The three links of value maintenance and value realization respectively investigate the two subdivision industries and sum up the innovation of the two business models. Finally, through the case analysis of Ali Finance, this paper summarizes the new business model of "complete ecological open platform" of Ali Finance, and excavates the new development of Ali caused by the new business model. It reveals how the network finance industry, represented by Ali Finance, influences the traditional financial industry and rebuilds the old "big sale" model.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832

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