阿里巴巴集团金融业务研究

发布时间：2018-03-25 17:46

本文选题：阿里巴巴　切入点：蚂蚁金服　出处：《吉林大学》2017年硕士论文

【摘要】：由于我国基数巨大的人口所带来的用户潜力,电子商务在我国发展态势迅猛。2007年全球金融危机之后,许多传统公司逐渐开始开辟电子商务这一新领域。一方面,我国长期金融抑制的监管氛围和银行在利率保护下的经营模式,使得我国传统金融机构严重缺乏创新动力;另一方面,电子商务交易自始至终每个环节都离不开资金的流转,因此,电子商务的发展自然会产生对于金融服务的需求。加之国家的多政策鼓励,电子商务企业开展金融服务有了空前的外部条件与内生动力。而其中最具代表性的,就是坐拥中国电子商务头把交椅的阿里巴巴。自1999年成立以来,阿里巴巴不断发展并整合电商平台、物流信息、金融服务、数据与云计算等综合服务,提出“大阿里”发展战略。2014年,阿里巴巴汇聚旗下所有金融服务,成立蚂蚁金融服务集团。目前,蚂蚁金服的业务布局主要包含以下五大类:支付业务、理财业务、信贷业务、大数据服务与征信。其中,发展时间最长的支付服务已经由线上延伸到了线下众多场景模式。蚂蚁聚宝为用户提供一站式理财服务。以蚂蚁花呗为代表的消费信贷和以网商银行为代表的企业信贷覆盖了包括个人与中小企业在内的信贷需求。除此之外,蚂蚁金服对阿里巴巴平台多年来沉淀的用户数据进行深度挖掘,利用自身云计算能力,大力发展大数据业务与征信服务,从而构建了一个覆盖面完整的、综合性的金融服务平台。未来,蚂蚁金服在面临同业竞争与监管层面带来的冲击的同时,要充分开发传统金融机构未覆盖的人群和区域,发挥自身对于新兴技术的敏锐度,不断以科技优势为依托创新金融产品的设计与营销,扩展服务范围与对象,与传统金融机构在竞争与合作中共同构建社会金融新生态。
[Abstract]:Due to China's huge population base of potential users, e-commerce in the development trend of China's rapid.2007 the global financial crisis, many traditional companies gradually began to open up a new field of electronic commerce. On the one hand, China's long-term financial repression regulatory atmosphere and bank in the interest rate under the protection of the business model, the China's traditional financial institutions lack of innovation power; on the other hand, e-commerce transactions from first to last each link cannot do without the transfer of the money, therefore, the development of electronic commerce will naturally have the demand for financial services. Many countries and policies to encourage enterprises to carry out financial services, e-commerce has been an unprecedented external conditions and internal power. And one of the most representative, is sitting on Chinese e-commerce Toubajiaoyi Alibaba. Since its establishment in 1999, the Alibaba development and integration Business platform, logistics information, financial services, data and cloud computing and other integrated services, put forward "Ali" development strategy of.2014 Alibaba, gathering all of its financial services, the establishment of the ant financial services group. At present, the ant payment service business layout mainly includes the following five categories: payment services, financial services, credit business big data, service and credit. Among them, the development of the longest payment service has been extended to the scene of many line by line model. The ant treasure to provide one-stop financial services for users. The credit needs of consumer credit to spend it on behalf of the ants and to give the bank as the representative of the enterprise covers personal credit small and medium-sized enterprises,. In addition, the ant payment service user data on Alibaba platform years precipitation data mining, using their own cloud computing, big data and business development The credit service, in order to construct a complete coverage of the integrated financial services platform. In the face of the future, the ant gold suit brought industry competition and regulatory impact at the same time, to the full development of traditional financial institutions not covered by the crowd and play their own area, for the emerging technology acumen, continued to technological advantage based on the design and marketing of innovative financial products, and expand the scope of services, and traditional financial institutions in the competition and cooperation in the joint construction of social new financial ecology.

【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.2

【参考文献】