商业银行商业模式创新：以微型金融为例

发布时间：2018-04-23 18:41

本文选题：商业模式 + 商业银行　；参考：《复旦大学》2012年硕士论文

【摘要】：商业模式创新正在变得越来越重要,它创造着新的市场、改变原有的行业格局。而了解一个企业的商业模式也成为洞见企业管理和竞争能力的关键。遗憾的是,现今虽然有许多关于商业模式的研究,却关注于制造企业,对金融企业的商业模式研究少之又少。而对于金融企业创新的研究又多集中于金融产品的开发上,而许多研究甚至将金融创新等同于金融产品的创新。商业银行作为金融行业中最重要的组成者之一,在其发展过程中经历着持续的创新,并远远超过单纯的产品创新的范畴,而即使是产品创新,也并非孤立存在,它的发生发展依赖并推动商业模式其他因素的变革。本文将从一般的商业模式出发,引入金融企业的商业模式创新的概念,并通过商业银行商业模式创新不同路径的比较,建立商业银行商业模式创新的模型,并将此模型应用到对微型金融的观察中。
[Abstract]:Business model innovation is becoming more and more important. It creates new markets and changes the existing industry pattern. Understanding an enterprise's business model also becomes the key to insight into business management and competitiveness. Unfortunately, although there are a lot of research on business model, but focus on manufacturing enterprises, the business model of financial enterprises is very little. The research on financial enterprise innovation focuses on the development of financial products, and many studies even equate financial innovation with financial product innovation. As one of the most important members of the financial industry, commercial banks have experienced continuous innovation in their development process, and far exceed the category of pure product innovation, and even product innovation does not exist in isolation. Its emergence and development depend on and promote the transformation of other factors in the business model. Based on the general business model, this paper introduces the concept of business model innovation of financial enterprises, and through the comparison of different paths of commercial bank business model innovation, establishes the model of commercial bank business model innovation. The model is applied to the observation of microfinance.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33

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