基于物联网的金融服务业创新动力机制研究

发布时间：2018-05-16 23:11

本文选题：金融服务业创新 + 物联网　；参考：《天津商业大学》2013年硕士论文

【摘要】：金融服务业在我国国民经济发展中占有举足轻重的地位，形成层次合理、功能互补的金融服务体系能更好地支持实体经济的发展。金融服务业的创新便成为提高产业竞争力一个重要方面，也是促进经济增长的一个重要动力。物联网产业在我国是一个具有巨大潜力的新兴产业。目前，我国物联网发展与全球同处于起步阶段，初步具备了一定的技术、产业和应用基础。物联网技术提供的可视化跟踪为金融服务业的创新提供了契机。将物联网技术引入金融服务业中，，寻找到金融创新的动力因素和机制来加快推动金融创新是具有现实意义的。本文研究的是以物联网技术进步作为动力源的金融服务业各种创新动力机制，这也是本文的创新点。首先将在国内外关于服务创新动力机制与模型和金融服务业创新动力机制的基础上，结合物联网为金融服务业创新提供的条件——以个人或者企业可视化跟踪的产品为基础标的进行金融创新，建立起“技术进步、制度和需求”三因素协同作用的基于物联网的金融服务业创新动力机制。其次，对物联网技术的四大主导国——美国、德国、韩国和中国的金融服务业创新动力机制的模型进行实证分析,从而比较分析得出在各国家金融服务业以不同因素为主导的动力机制的发展模式。美国和德国的金融服务业创新动力机制的主导因素是需求拉动，韩国的金融服务业创新动力机制取决于物联网技术创新推动，而中国的金融服务业创新动力机制将主要由制度创新来驱动。再次，根据各国不同竞争力背景和金融服务业发展阶段特点，得出各种不同因素为主导的动力机制模式所需要的条件和发展路径。最后，为中国金融服务业创新提供参考建议，从而有效地解决金融服务企业中存在的现实问题，有利于提高金融体系的运行效率，使得金融资源得到有效配置，提高金融服务业的国际竞争力。
[Abstract]:The financial service industry plays an important role in the development of our national economy, and a financial service system with reasonable levels and complementary functions can better support the development of the real economy. The innovation of financial service industry has become an important aspect of improving industrial competitiveness and an important driving force to promote economic growth. Internet of things industry is a new industry with great potential in China. At present, the development of the Internet of things in China is in its infancy with that of the whole world, and it has a certain technology, industry and application foundation. Visual tracking provided by the Internet of things provides an opportunity for innovation in the financial services industry. It is of practical significance to introduce the Internet of things technology into the financial service industry and find out the motive factors and mechanisms of financial innovation to speed up the promotion of financial innovation. This paper studies all kinds of innovation motive mechanism of financial service industry, which is based on the technology progress of Internet of things, which is also the innovation point of this paper. First of all, it will be based on the dynamic mechanism and model of service innovation at home and abroad and the innovation motive mechanism of financial service industry. Combining the conditions that the Internet of things provides for innovation in the financial services sector-financial innovation based on products that are visually tracked by individuals or enterprises-to establish "technological progress," System and demand: a Synergetic Mechanism of Financial Services Innovation based on Internet of things. Secondly, empirical analysis is made on the four leading countries of the Internet of things, namely, the United States, Germany, South Korea and China. The development model of the dynamic mechanism of the financial service industry in different countries is obtained by comparison and analysis. In the United States and Germany, the dominant factor in the innovation drive mechanism of the financial services industry is demand-driven, while the innovation motive mechanism in South Korea's financial services industry depends on the promotion of technological innovation in the Internet of things. The innovation motive mechanism of financial service industry in China will be driven by institutional innovation. Thirdly, according to the different competitive background of each country and the characteristics of the development stage of the financial service industry, the conditions and the development path of the driving mechanism model led by different factors are obtained. Finally, it provides some suggestions for the innovation of Chinese financial service industry, which can effectively solve the practical problems in the financial service enterprises, improve the operational efficiency of the financial system, and make the financial resources to be effectively allocated. Improving the international competitiveness of the financial services industry.
【学位授予单位】：天津商业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F49;F832.1

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