网络经济视角下的传统金融机构互联网转型探索

发布时间：2018-03-29 06:10

本文选题：互联网金融　切入点：网络经济　出处：《企业经济》2017年11期

【摘要】："互联网+"时代,互联网及新兴信息技术在金融领域的广泛应用,对市场固有的竞争结构和商业模式带来巨大冲击。为此,传统金融机构纷纷加快互联网转型步伐,以延续其竞争优势。而以网络为基本运营环境的互联网金融业务,与传统金融在发展模式上具有显著差异。本文以网络经济理论为基础,分析互联网金融的特征、关键成功因素及演进路径。最后提出建议:树立网络时代的企业价值观和品牌形象、重视向互联网平台的用户迁移和引流;同时以数据为中心打造金融科技创新体系;以用户为中心构建互联网金融生态系统;形成多元化的盈利模式。
[Abstract]:In the "Internet" era, the wide application of the Internet and new information technology in the financial field has brought a huge impact on the inherent competitive structure and business model of the market. Therefore, traditional financial institutions have accelerated the pace of Internet transformation one after another. In order to continue its competitive advantage, and the Internet financial business with the network as the basic operating environment, there are significant differences between the traditional finance and the development mode. This paper, based on the network economic theory, analyzes the characteristics of Internet finance. Finally, some suggestions are put forward: to set up the enterprise values and brand image in the network age, to pay attention to the migration and drainage to the users of the Internet platform, and to build the financial science and technology innovation system with the data as the center; Take the user as the center constructs the Internet financial ecosystem; forms the diversified profit pattern.
【作者单位】：中国人寿保险(集团)公司博士后科研工作站;清华大学五道口金融学院;
【基金】：国家自然科学基金重点资助项目“中国城市居民家庭/消费者金融研究”(项目编号:71232003);国家自然科学基金项目“中国居民金融素养研究”(项目编号:71573147) 中国博士后科学基金第九批特别资助项目“P2P网络借贷中的信息识别问题研究”(项目编号:2016T90073)
【分类号】：F724.6;F832

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