面向小微企业的财务代理商业模式研究

发布时间：2018-12-13 15:01

【摘要】：随着我国经济发展的新常态,小微企业作为创新创业载体,凸显出重要性,小微企业在发展过程中对会计服务和债务资本管理有更迫切的需求,但当前纯粹代理记账模式为主财务代理机构以及金融市场主体难以满足小微企业的迫切需求。本文从商业模式的视角出发,研究并提出面向小微企业的财务代理商业模式重构的必要性,并根据相关理论提出构建财务代理商业模式的具体构想并分析可行性。本文先从相关背景分析入手,回顾综述了商业模式理论与商业模式应用研究等有关文献,借鉴有关研究经验并对比本文研究视角的创新性;进而以H财务代理公司为例,梳理了现行财务代理行业痛点及业已形成“恶性生态”,并运用“基于客户价值创造”的“七要素”进行理论分析,初步得出面向小微企业的财务代理商业模式重构的必要性;接着对面向小微企业财务代理商业模式进行了重构研究,瞄准现行财务代理行业痛点,改变财务代理机构原有的价值实现方式,以“基于客户价值创造”的“七要素”模型分析指导财务代理机构商业模式重构,画出财务代理商业模式重构逻辑图,然后运用“商业模式画布”进行重构后财务代理商业模式落地分析;之后,对财务代理机构重构后的商业模式进行了市场及财务的可行性分析,并阐释了重构后商业模式的实际运营可能存在的问题及解决办法。
[Abstract]:With the development of China's economy, small and micro enterprises as the carrier of innovation and entrepreneurship, highlight the importance of small and micro enterprises in the process of development of accounting services and debt capital management more urgent needs. However, it is difficult to meet the urgent needs of small and micro enterprises in the current accounting mode of pure agency accounting as the main financial agency and the main body of the financial market. From the perspective of business model, this paper studies and puts forward the necessity of reconstructing financial agency business model for small and micro enterprises, and puts forward the concrete conception and feasibility of constructing financial agency business model according to relevant theories. Starting with the analysis of relevant background, this paper reviews and summarizes the relevant literature, such as the theory of business model and the application of business model, and draws lessons from the relevant research experience and compares the innovation of the research perspective in this paper. Then taking H financial agency company as an example, this paper combs the pain point of current financial agency industry and has formed "malignant ecology", and makes a theoretical analysis of "seven elements based on customer value creation". The necessity of reconstructing the business model of financial agency for small and micro enterprises is preliminarily obtained. Then it reconstructs the business model of financial agency for small and micro enterprises, aiming at the pain point of the current financial agency industry, and changing the original value realization mode of financial agency. The "seven elements" model based on customer value creation is used to guide the business model reconfiguration of financial agency, and the logic diagram of financial agent business model reconfiguration is drawn. Then use "business model canvas" to reconstruct the financial agent business model landing analysis; After that, the paper analyzes the market and financial feasibility of the business model after the reconfiguration of financial agent, and explains the possible problems and solutions to the actual operation of the reconstructed business model.
【学位授予单位】：深圳大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.39

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