M银行金融云SaaS服务模式构建研究

发布时间：2019-01-24 10:03

【摘要】：伴随着国际经济形势的巨大变化,以及中国经济进入新常态发展时期,金融机构一方面承受着巨大的经营压力,另一方面国家从社会稳定和发展的角度出发,鼓励更多的从事普惠金融的机构出现。传统金融机构如何转型、小微金融机构如何生存和发展这些问题考验着金融业高层管理者的智慧。本论文尝试根据云计算在其它行业的成熟应用,研究金融云的SaaS服务。通过国内外数据、金融行业等数据探索金融云SaaS服务的潜在市场;通过对于目标市场对象的需求分析找到金融云SaaS核心功能需求;并根据这些需求深入研究M银行如何能够根据自身的优势确立市场地位,如何构建自己的产品服务组合,如何开展市场活动,以实现市场化的SaaS服务。论文也开展了如何以SaaS系统为纽带构建相关金融生态的研究。希望通过本论文对金融云SaaS研究,为金融行业的转型提供有意义的参考;在国家推广云计算+金融的过程中起到行业示范作用;促进金融机构根据自身行业的特点和优势聚焦于特色金融服务。为从事普惠金融等业务的小微金融机构提供便利和呵护,最终促进金融行业的健康发展。
[Abstract]:With the great changes in the international economic situation and the period of Chinese economy entering the new normal development period, the financial institutions are under enormous operating pressure on the one hand, and the country embarks from the angle of social stability and development on the other. Encourage the emergence of more institutions engaged in inclusive finance. How traditional financial institutions transform and how small and micro financial institutions survive and develop test the wisdom of senior financial managers. Based on the mature application of cloud computing in other industries, this paper attempts to study the SaaS services of financial cloud. Through domestic and international data, financial industry and other data to explore the potential market for financial cloud SaaS services, through the analysis of the target market object needs to find the core functional requirements of the financial cloud SaaS; According to these needs, this paper deeply studies how M Bank can establish its market position according to its own advantages, how to construct its own product and service combination, how to carry out market activities, and how to realize market-oriented SaaS services. The thesis also carries out the research on how to construct the related financial ecology with SaaS system as the link. It is hoped that the research on financial cloud SaaS will provide a meaningful reference for the transformation of financial industry, and play an industry role in promoting cloud computing finance in the country. Promote financial institutions to focus on characteristic financial services according to the characteristics and advantages of their own industries. To provide facilities and care for micro-financial institutions engaged in inclusive finance and other business, and ultimately promote the healthy development of the financial industry.
【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】：F49;F832

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