云创新与互联网金融生态系统构建——以阿里金融云为例

发布时间：2018-01-12 02:04

本文关键词：云创新与互联网金融生态系统构建——以阿里金融云为例　出处：《经济与管理研究》2017年03期 　论文类型：期刊论文

【摘要】：阿里金融板块依托阿里电商、金融、泛娱乐等多业务领域所积累的客户资源、信息资源、技术资源、人才资源,利用云计算、大数据等信息处理技术,形成涵盖支付、银行、理财、消费金融、股权众筹、保险、征信在内的全方位、全业态的互联网金融生态系统。本文基于云创新理论视角,尝试利用云创新模式从主体、要素、路径、平台到生态系统的创新机理与运行机制来阐释阿里云金融的创新过程和互联网金融生态系统的构建路径,同时通过阿里金融云的案例进一步剖析云创新理论在互联网金融创新领域的应用途径,将进一步完善云创新理论的架构,并为互联网金融行业的创新和发展提供一定的借鉴。
[Abstract]:Ali financial sector relies on Ali e-commerce, finance, pan-entertainment and other multi-business areas of accumulated customer resources, information resources, technical resources, human resources, the use of cloud computing, big data and other information processing technology. Form a comprehensive, full-service Internet financial ecosystem including payment, banking, financial management, consumer finance, equity crowdfunding, insurance, credit information. This paper based on cloud innovation theory perspective. Try to use cloud innovation model from the main body, elements, path, platform to ecosystem innovation mechanism and operation mechanism to explain the innovation process of Ali cloud finance and the construction path of Internet financial ecosystem. At the same time, through the case of Ali financial cloud, the application of cloud innovation theory in the field of Internet financial innovation will be further analyzed, which will further improve the structure of cloud innovation theory. And for the innovation and development of the Internet financial industry to provide certain reference.
【作者单位】：山东大学管理学院;
【基金】：国家社会科学基金重大项目“科技型中小企业融资征信平台和数据库建设研究”(15ZDB157)
【分类号】：F724.6;F832
【正文快照】： 互联网金融诞生于互联网经济、利率市场化、金融脱媒的时代背景,在互联网技术、互联网思维和客户需求的综合驱动下,互联网公司、通讯运营商、软件开发者、基础设施提供商、互联网金融新兴从业者纷纷涌入以传统金融机构为主体的金融业,加速了互联网金融在基础设施、渠道、平台

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